I have been going to weddings from one end of this country to the other for 50+ years. I grew up in Arkansas where weddings receptions were punch and cake in the church basement and a perfectly acceptable gift might be matching dish towels and potholders.
But I went to fairly expensive schools (Tulane and Stanford) with friends from all over the country. Many of my friends were debutantes who were from wealthy families who had fancy weddings at elite country clubs.
But I had never heard of the "cover your plate" rule until I read it here on the DIS.
Years ago I gave my roommate a place setting of her sterling silver for a wedding present. I was maid of honor in her wedding and did not have to buy a dress as we borrowed them from another friend who had married earlier so I spent more on the present. She was a debutante from a prominent family who had a very classy and expensive wedding. She was dumbfounded that I gave her such a nice present.
So I am so not used to brides who have "expectations".
Do what you WANT to do. It will be okay.
A place setting of sterling is a very generous gift! Many years ago I worked in china/crystal in a Southern department store. Frankly a place setting of china was always a generous gift, or a couple stems of crystal, but sterling really was!! I too hadn't heard of cover your plate before the DIS, but I'm a big advocate of adhering to local customs. If we ever move up north, I"ll observe that tradition.

