I'm sorry to hear this has caused a problem for you and your fiance. In my case, FI didn't consult me at all and purchased something that I probably wouldn't have picked for myself (a channel-set eternity band). But I love how it sparkles, how easy it is to wear, and that he didn't have to bankrupt himself to pay for it.
We've talked about upgrading in a few years anyhow, and he is not at all hurt by the suggestion. I'm even going for a very plain/simple band-- just ordered from Ross-Simons actually.