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I took my wife to a facility that was all about collaborative ring picking. It was no secret that I was going to propose; both she and I have always felt that the circumstances of the proposal could be a surprise, but the fact of and answer to the proposal shouldn't be.
I ended up proposing to her while she was carrying a pile of my underwear. It wasn't on purpose - I didn't even notice until she had said yes - but she described it as "very us."
With regards to budget, she and I discussed a range beforehand. We came up with a number that was nice but realistic for what we could afford at the time.
With regards to asking permission, I didn't feel it necessary. I did technically discuss it with her dad beforehand, but mostly for the ceremony of the thing. I doubt he even remembers the conversation. It can be a nice gesture to do so - most good dads would probably like it and many women would probably enjoy the gesture - but I don't think it's needed.