necklace/ring

I'm really against the idea of the ring on a necklace for a number of reasons that i think far out way any the reasons for having it:

Its too messy and its not an immediately accessible image. Its like we're shoe-horning in an iconic image when it doesn't really fit logistically.
If our antagonist is a formidable opponent he wouldn't stand for her wearing it around her neck.
Surely they plan to sell their haul? if he proposes with it, then he's proposing with someone else's ring, hardly keeping with the romance in the plot.
throwing the necklace and keeping the ring means we lose the slight-of-hand that fits the protagonist so well.