TS now that the ring is lost. What is the other option? To get a cheaper ring or a ring with the same setting that your gf wants?

I believe the gist of the argument is due her sticking to the current design while you wanted a better design that is more robust so the diamond won't fall out again?

You really need to see her attitude and seek counsel to watch out for red flags. For me, its her fault for losing the diamond ring and demanding the same value of ring would be deemed unreasonable. But of course if the ring maker can negotiate for a much lower price for the same quality maybe you can opt that as well. You need to know what kind of person she really is. Is the relationship more important or possessions more important for her? Do you want to marry this type of person? I pose these questions to you, I am not asking you to pull out just to let you know that you need to sit down with her and realistically tell her your expectations in the marriage.

I also see another pattern that is not so good about her. She wears a diamond ring around, very few people do that in Malaysia, because of potential robbery. Most people wear wedding bands instead.