[whitefluffy]

Church,

My advice would be, dont spend any money unless you are sure she would love the ring, after all she's going to wear it. Maybe you might want to have something too? So i agree with the suggestion, propose first, ring later. Then you can go shopping/searching together. I too am not into endless, mindless consumerism, however i do have one gorgeous piece of jewellery, and that is my/our engagement ring. Going on the cruise will be the perfect time to propose as you have said, and you could probably arrange a beautiful romantic dinner to surprise her with, the proposal does not need to include a ring at the time.
It would be far better to decide on a ring together, which is what my husband and i did, 18 years ago. If money is a big problem, i would also suggest estate jewellery. i would imagine the quality would be better than many modern settings, bit like antique furniture. Alternatively, following the proposal, as you will be on a cruise, you may be able to find a ring at duty free prices.

One final piece of advice church, when you do propose, make sure you do it on bended knee and she'll remember it forever! oh and get to the church on time, lol!

Best wishes,
hope it all goes well