Oh I totally feel for you. & I appreciate your wanting to wear SOMETHING to symbolize your devotion to your marriage.
Sadly, my diamond fell out of my setting a few of years ago, & we were/are not in a financial position to replace it. So I have a ring with empty promgs.
I went to an antique mall & found a couple of rings & a pendant with CZ stones, & picked a couple out to eventually put into my setting. (I'll choose one).
In the meantime, I wear a band ring on that hand... originally it was a silver band that had an inscription "I am my beloved & my beloved is mine". If you do a google search for that & add "ring" you can find them for less than $20.
I found another ring while cleaning from years ago, it has 2 bands, one which spins over the other, that I am now wearing.
I also have a husband who sees sparkly things & says "ooh shiny she'll like that & I can afford it". It was hard, but I finally said "I love that you surprise me with jewelry, but I worry that it doesn't get worn as often as it should because it's not something I would normally pick out for myself. Can I show you some things that are really my style?"
I still do wear some of the items he originally got me, & make sure ot point out when I do so that he knows I appreciate that he cared. Nothing he got me was of the type that I could tkae to a jewelers & "trade in" but maybe if your necklace is you could ask your hubby if it could be exchanged for something that "fits" your style more...
And say something to the efffect of "I really love that you got me something, but I want to be comfortable wearing it more often, & I'm worried that this one is so delicate it might not do well being worn so often... plus it doesn't go with grey sweats all that well..."
As for your wedding rings, it sounds like there is a lot to be repaired... do you also have an estimate to tkae the primary stone out & trade in the ring w/o for a different setting that wouldn't require repair? (sometimes stores will do an even credit, sometimes they require you to trade in for something at least 2x the value, so that you need to pay out some $$).
If you are not overly attached to your specific setting, but just being able to wear a wedding ring is what's important to you, that might be the best route to go.
My suggestion is to talk to a few stores in your area (go to a regular chain store, an upscale store, a family-owned store to get a variety of options & costs) & then make a decision.
Lets say it will cost $350 for whatever option you choose... then you can spend $20 on a symbolic band & save for 1 year to have the rings you want.
Another option to consider is Craigslist... provided the person you buy from is willing to meet @ a jewelers & have the ring/stones authenticated, you might be able to get a nice setting for less, & then pay the store to place your diamond in it & size it for you.
Bottom line: Get a band for now to wear, make sure your husband knows you appreciate his thinking of you, & get estimates to set a plan for finalizing your wedding rings!
T. =-)