Is he too cheap?

[cuaphi]

Okay, here's a sticky situation. Got a call from a friend today who has a problem. She was using her boyfriend's computer (don't know why, didn't ask) and stumbled across a link saved in his browser for what appears to be her engagement ring. Good news in and of itself and Valentine's Day is coming right up. The problem is that it's a really cheap ring ($650 for the engagement and band set) despite the fact that he makes about $40K per year, it's much more garish than the simple little solitaire she'd always wanted and (I think this is the worst part actually) it looks like he's buying it from a picture on a website instead of even going to a store.

Two questions: Is it wrong to be disappointed with your engagement ring? Furthermore, is there any way to express your disappointment without sounding like a horrid, horrid person?

I need a wider variety of perspective here. Personally I think she could do better than this guy anyway but I'm trying to be supportive. So, what do you think?