Good post.
There was a documentary and a recent story about a (Russian?) tiara. It was stated that controversial jewellery gifts are stored in a special place, under lock and key.
MM should not have been presented with controversial jewellery. She would have been presented with a tray of earrings (most likely designated to her), but she would not have necessarily asked too many questions, because the controversial ones should not have been included.
Sounds like a set up to me.
They did not have to consult H&M regarding the earring, but to simply remove them, if asked they can explain the reasons.
As for the Chopard line. I think that is what SC was told when she enquired. She was senior, why was she not told the correct origins.
If you look at the 2 articles, so far, there is a lot of dropping Sam Cohen in the middle of everything. She came from BP, before Edward Young's time and was trusted by the queen. As I said, she was about to resign anyway, but stayed on to help MM at the request of the queen, then later came back to negotiate the exit deal. My suspicion is that she is of that school before EY, where family members we're taken care of, hence her requests for pastoral care. She would never talk ofcourse, but I suspect that if she denied any wrongdoing by the Sussexes, it has to be counteracted now.