Lol! I did think the earrings looked a bit cheap when I saw them earlier!
I feel I can see both sides to a certain extent with the clothes spending issue between Kate and Meghan.
Meghan was always going to spend a lot in her first two years because she was new to the constant royal engagements which are more frequent and need a different style than the PR appearances she made in her previous life. Kate had built up a big baseline wardrobe over the last twenty years so she can buy a new dress but then already has the shoes, hat, bag etc to go with it which brings the overall cost of the total outfit down. Meghan was starting from scratch and had to start buying everything she needed - and she'd probably never had to do the type of high profile - change three times in one engagements before. (sounds like a nightmare to me)
I just did a quick internet search and in general for royal engagements the pair of them are wearing very similar priced stuff - 1k-2k at the lower end, some 4-5K and sprinkled in the odd 10k dress / outfit. Their wedding dresses were roughly in the same area too 200-300K estimates.
Meghan stands out on two main occasions with eye-wateringly expensive dresses. Her engagement photo dress which was an estimated 75K! And a maternity evening gown she wore on a tour which was an estimated 90K!!!
Both dresses never to be seen again - so maybe she borrowed the engagement dress - pre-wedding she was probably still allowed to do that a la the Oscar system of borrowing outfits in return for the publicity.
The maternity gown does seem like a misstep. 90K for a very limited rewear potential is a LOT of money. Perhaps she's managed to sell it on eBay since then and recouped some of that! (I also don't think it really suits her but maybe she felt she had to wear it after spending all that money! I think the engagement dress is gorgeous on her)
I don't think we had long enough of Meghan's spending as a royal to say she was more extravagant than the regular royals. It's possible she would have curated and managed the budget like Kate does balancing out overtime with re-wears etc.
On the other hand, 90K Dior gowns might have become the norm. It doesn't matter now she can wear what she likes as she's paying for it herself.
One criticism I do have of Meghan is she didn't push the UK brands enough - when you boost the UK fashion industry as part of your duties it makes the spending have more of a purpose. I guess she just loves those French designers more!