A close friend works at GIA in Oceanside and has for a long time...
I would go for option 3, the big stone should be 6mm or bigger and will be 3x the 5k - 51/2k price...
I'm so so so lucky my wife doesnt like jewelry and wouldn't wear a stone...
BE very careful and have a reputable pro examine anything you buy if your going to drop some coin...
The big stone needs to be out of the setting and weighed/examined under a microscope to see if there is any evidence of previous IDs being polished off...
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