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Both are beautiful, and both are easily distinguishable from natural diamonds for being too perfect. The irony is that natural diamonds increase in value if they have fewer imperfections, but almost no natural diamonds have zero imperfections.
Value-wise, in theory a natural diamond will hold its value over time, but in practice the value of natural diamonds is manipulated by the diamond conglomerates that control the market. We won't "exhaust the supply" of diamonds in our lifetimes, so there's not much sense in worrying about the value of the gem either way.
Are any gems "worth it"? That's between you and your wallet. It's an entirely superficial item, serving no practical purpose. To paraphrase a modern American philosopher, you can get married with paper rings. The ring is a symbol of your commitment, and as long as your fiancee enjoys wearing it everyday, don't stress about what other people will think.
I wouldn't concern myself about a lab diamond being too perfect. I have never met anyone that pulled out a loupe in the restaurant to check. That's between me and the jeweler.
You're right, but moisannite can be distinguished without a loupe by a colorful flash. But also anyone knowledgeable enough to spot that at a distance probably does not have the same prejudices against lab-made diamonds. I mean, unless they work for Debeers.
The jig is up, on that one, or it's about to be.
As an embarrassed possessor of a real diamond ring, I'm well aware that my grandchildren may well decide to pawn it on the cheap, considering its awful legacy. If others do the same, and considering the reserve supply, it's not even going to be worth what we paid for it.