Opinions vary on whether it's okay or not for the bottom of the
stone to touch the finger. In my opinion, it's okay, so my
adviceis to file the bottom of the bezel until the stone touches
the top of the finger.
A millimeter higher is not going to make a big difference. At some
future date, if the ring needs to be sized, sliding the ring up the
metal mandrel without being aware that the culet will hit the
mandrel, inadvertently not using the grooved mandrel, and hearing
that little crunch certainly has affected the rest of my day. I know
I should be more aware, but when it happens I do think about whoever
made the ring and why they incorporated something that could fairly
easily result in damage. I never have allowed a culet to touch the
finger on any piece I have made, and I will never have a good reason
to do that. To me that is not good craftsmanship.
Richard Hart G.G.