It depends on your hubby and his connection. My hubby lost his ring when he was almost killed in a car accident 15 yrs ago. We still have it, it is just in the pieces cut up from the ER.
He's never worn another one and it does not bother me.
As for me, no, I would not upgrade. Actually, I need my band cut off because it will not come off but I don't have the heart to do it. As for my diamond, no way....I have an older (miner) cut, very round in a solitaire setting right around 4 carat.....original and it will be passed through our family (if I don't get knocked over the head and robbed) but it is insured..still never replacable.
We like to travel.....for our 10 year, we spent a week in Hawaii.
This year will be 22 yrs.!