Hi Highness
I was in the same situation as you, and to add on,
my MIL is not intending to give me any jewellery at all and she has not given me any before that, unlike yours which has given you a set worth 3K.
I had countless arguments with her and cried umpteen times. My advice to you is that you have to be firm with your mother, and be 'fierce'. Let her know that you are not going to let all her unreasonable request ruin your wedding and marriage. Show her that if she really wanted gold and jewellery, tell her that it will be very hard on your future MIL who is a hawker and tell her if she thinks that this is right. I told my mom that we should be happy that they are giving us whatever they can afford to the best they can, and not compare to someone else. If she still doesn't get it, tell her that ok lor, you ask your hubby go borrow money to pay for everything she ask for, and then after the wedding both of you got to 'suffer' because your husband got to pay loans and pay this and that and thus cannot afford other luxuries for you AFTER marriage .. I'm sure your mom's heart will soften because she will also worry for you after your wedding and wants you to have a good life. Believe me, no matter how harsh mother's words are, i believe deep down inside they still love you and want you to have a good life with your partner so just remember that.