Been looking at engagement rings and currently have a .92 carat, H-color, VS-1 on layaway at a local mom and pop jewelry store in The Woodlands. I visited Robbins Brothers yesterday in downtown Houston by the Galleria (any body have any experience/advice on this place?) and they were throwing all sorts of diamonds at me to look at. Some that were significantly bigger than what I have on layaway and at a lower price point (example: 1.18 carat, H-color, i-1 clarity). I really don't know what I'm looking for, whether the inclusions are that huge of a deal and that I should go for a larger carat and lower clarity or whether I should lower the color for a larger carat, etc. Also, my buddy recently got engaged and swears by James Allen, the online store, and says there is no reason to buy in-store due to markup and I'm not getting the most out of my money. I can see where he's coming from but I am a creature of habit and like to see the product before I buy it despite their "magnified pictures" online.