I know. Big ring, big wedding, big honeymoon seems to me the big waist of money.
I rather save for house or something practical.
As for the timing of marriage, I would suggest to make a plan before hand.
"let's get marry when we save 20k in the bank."
Yes, yes, romantic moments may last for the life time, and it is priceless.
But memory don't keep you warm. I rather have a nice house as soon as possible to build memory in it.
You may thinks, wow Yoko, is it all about money?
Kindda yes. Running a household takes responsibility to save and utilize the finance.
I would not marry any guy who spend 20k on a diamond ring.
That kinda shows me he does not know how to run his life wisely.
In my very humble Asian opinion.