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The ring is something that needs to be discussed before you get engaged. It would be very sad if young woman really wanted a diamond and once you were engaged you told her she was only getting a CZ. That could cause a lot of machlokes. That is definitely something that needs to be spoken about before the final decision. If you can’t afford a real diamond or it is the custom of your family to buy only CZ, then that is something that needs to be disclosed. If the Kallah expects to have what her sisters or sister-in-law received then it could cause her real emotional pain and magmas nefesh if you spring it on her after the engagement. She might feel that you were hiding this fact from her.