Ring help

Ok so I’m one of those people that’s on here even though I’m not engaged yet. Me and my SO have talked about marriage and are just waiting until we both make more to make any moves. (We have a joint bank account so any big purchase like a ring I’d see) anyways I’ve been dropping hints about this cartier ring I absolutely love but he’s dead set on getting me something nicer, and he hates baguette cuts so he’s over looked this ring so much. We’re both still young, I’m 21 and he’s 26 so I feel something expensive like he wants to get me is just kind of unrealistic unless I wait another 3 years. I keep dropping hints to him but instead of the budget friendly 2k ring he wants to custom build a ring for close to 10k. How do I politely tell him I don’t want the more expensive custom ring that he wants to put his touch on with out hurting his feelings or do I just not and wait a couple years for something better? Btw he really scared me because I’m clumsy and lose things all the time and he said he’d be devastated if he got me an expensive ring and I lost it or someone stole it. But he bought me some huge pearls that i have yet to lose for two years so i feel like if he gives me something that expensive I’d make it a point to take care of it. We live in SoCal not the best area and if someone robbed me I’d essentially be helpless because of my small stature. I was thinking of getting a gun if I do get something that expensive but we’re both anti gun so I’m really torn. /: any advice with dealing with this would be greatly appreciated.