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The value of the ring seems to have many on this thread thinking she will take the ring if you divorce. If her family is wealthy and she makes more than you then you are marrying up and a divorce would have you coming out ahead. Though it is concerning that she cares about the value of the ring but maybe she just wants to keep up with her friends. If your relationship is genuine it should not be about money. And that will shine brighter than any ring. Is her family paying for the wedding and are you paying for the honeymoon? The idea is not to be broke so your families will pick up much of the tab. I'm assuming you can afford the lifestyle she wants.
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