I've been looking into it since I've started the post and I'm leaning towards still getting the ring. So thank you for the information and links. I'm at least going back to the store tomorrow to talk about it. I want to get in before the weekend, just in case. I just wanted a little background knowledge before going in there. The lady I was talking to about mom's ring kept trying to steer me towards diamonds instead and I was hesitant to try going in without a little bit of knowledge on the subject.
Upside: I can't afford their other jewelry so worries about being swayed towards something else!
If I get it, I'll try wearing it semi-regularly and if I notice than I'm not being careful with it I'll reserve it for special occasion.
Its a cultured fw pearl ring, so should it become necessary its not too expensive to replace the pearl. It seems in comparison to the ring itself the pearls are not worth so much, so after looking at that, I'm not feeling too bad about it. I once spent more that the replacement cost at walmart when I went in for shampoo. I wish I couldn't say that, but it is true. Thinking about it that way makes me feel quite a bit better.
Also, I figure I'll get used to it in time may not feel a pressing need to wear it daily anyways. Rings are the only jewelry I can wear with any regularity, so maybe another cheaper one will catch my eye and the specialness of "new ring!" may wear off. I have never really indulged in buying myself jewelry before, so maybe I'll be on the look out for a cheaper, sturdier ring to wear daily. So then I can save it for special occasions anyways.
If all else fails: Two years back my grandmother gave me a ring for Christmas. I hated it, then. The stone was too big for my liking. I never got it resized, but she asked about it last month, so I dug it out of its hidey-hole. It's grown on me (ha!). So I'm getting it resized. If I do decide to stop wearing the pearl ring, I an always wear that one.