Speaking from the trade side: 4-prong failure is almost always a maintenance issue, not a design flaw. Prongs work-harden from daily flex and develop micro-cracks that eventually fail. With annual inspections, a 4-prong solitaire will hold a stone indefinitely. Without inspections, any setting — 4 or 6 prong — is a gamble on timing. The setting style matters less than the maintenance habit.
I chose 6-prong specifically because I am a nurse and my hands are rough on rings — frequent glove removal, constant hand washing, occasional knocks on hard surfaces. The redundancy matters for my lifestyle. For someone who sits at a desk and handles their ring carefully: 4-prong is completely fine and looks better on most stone sizes.
The visual difference is real and worth considering. 4-prong on a round brilliant creates a cleaner, more modern look — the stone appears to float. 6-prong adds visual "noise" at the girdle but provides the traditional Tiffany aesthetic. Neither is objectively better. It is a style preference informed by lifestyle. Try both in person if you can.
The honest conclusion from the goldsmiths:
"With proper prong work and an annual inspection, 4-prong is as secure as 6-prong in daily wear. The difference matters more for buyers who will not maintain the ring."
My choice: 4-prong. The look is cleaner, the stone shows more, and I have a reminder set for inspection every 12 months.
If you are hard on your hands (chef, nurse, gym daily, manual work): 6-prong gives you a meaningful safety margin.
Include diamond specs when asking for advice (carat, cut, color, clarity)