Hi,
As most of the bros here will say, you really have GOOD diamond here.
Cosmetic wise, don't think of the picture. You saw it in person and the shine and sparkle interest you and your partner,that is what important, after it was mounted and you started using it, no one will tell you that your diamond have inclusions nor will ask you to show them the H&A image ;-), but rather will comment on the shine and sparkle.
About diamond value against it's inclusion, I guess it was carefully choosen among the diamond of it's class. "Best of it's class" so to speak but then again, it is your hard earned money, you have all the rights to choose what is best for it. Try to compare it online, you will find that even some H&A that they're selling similar to the price that you got have more inclusions on it. You can compare among all the images posted here, but I am telling you "no two diamonds are alike" ;-)
.46ct is really a Good Size, with is proportions it will look bigger and comparable to a typical round cut .5ct diamond.
If you are willing to go below the specs on the same budget, F VS2 or G VS1 you can have a diamond with a better H&A Image and a bit bigger than .46ct
