After much research and many of your thoughts I finally purchased a diamond and setting. I ended up going with a local jeweler as I felt I couldn't pass up the deal he made me on the center stone. (or at least feel it was great deal) I bought a AGS 000 hearts and arrows .92 center stone. The price was 5300 otd which I feel was a great price. Here are the specs. What do you think? Was it a good buy? Could I have done better? The diamond has a dual certification from AGS and GIA. They both are very similar except GIA was one jump in color H.