i can't speak for anyone else, but i'm looking forward to next week - when Liebcor (on ebay) will be re-opening after having been closed for the holiday! they do yellow, white & rose gold - and sterling silver - and have reasonable prices on everything including stone setting. plus their silver pieces can be pre-notched so you could set the stones yourself if you want.
and... i purchased a ring from Overstock a few days ago (silver) and i'll be switching the stone out from that one, to one of the OEC's.
can't wait to see it Dana, I've tried switching them out myself, but haven't mastered it yet. Do you switch your own or send them to a jeweler?
for the silver stuff, i just do it myself. since i generally only wear them around the house and our daily runs to the post office, it doesn't bother me if they're not 100% perfect. i've been switching stones around in silver jewelery and doing minor repairs since middle school. (i also used to tighten/adjust my own retainer. and did minor braces-related-emergency-fixes myself. i had braces for nine years...so i learned enough to handle a lot of things on my own. my orthodontist knew, and thought it was funny.)
for my gold pieces, i have them done professionally. there's a jewelery store here that does all sorts of work in-house, and their stone-switching prices are reasonable. they JUST this week jacked their sizing prices up. tripled them, actually....so i won't be going back there for that, sadly.