Diamond Lover answers:
It depends on the size, clarity and if the ruby is lab created or natural.
Rubies often are light in color-they can be cloudy and rather pinkish
A natural ruby saturated with deep color, clear and flawless is rare....and the larger the stone the more expensive.
Most diamonds that surround the main stone are small, therefore not nearly as costly as a larger solitary stone.
If he has purchased a lab created ruby do not fret....it's physical and chemical properties, it's durability, etc is IDENTICAL to a natural ruby. It IS a ruby... it's just that the stone was grown in a lab under the exact same conditions, but controlled conditions and with the exact same minerals as a natural ruby - the ONLY difference is that lab created rubies are flawless, and more affordable. Since there would be no flaws or fissures in a lab created ruby, the stone would be less likely to split, crack, chip or become damaged along any flaw a natural stone would have.
Listen, all he said is that he wants to recoup what he paid out for your ring rather than go into debt by putting deposits down on venues NOW... and that seems very wise and reasonable to me. I would be pleased that he wants the best that he can afford for you for an e-ring... what would be too much for a ring, if he went into heavy debt over it.
Do not fuss, it may be only be a matter of a few month's worth of payments...and this will give you more time to plan and prepare for the wedding that you wish to have. I know you are 'chomping at the bit' as far as getting those wedding plans underway but things worth it are worth waiting for.
Lucky girl, to have a guy who takes pride in the e-ring he gives her....he must believe you are very special to take such care in getting the 'perfect' ring...so don't knock it Hon....enjoy.