I quite agree. If Zara chose to wear a tiara, then Beatrice will as well. Back in the day I actually really feared that she might not wear one.
I, too, hope for the York tiara. Beatrice will probably inherit it, and to me it seems natural that she should wear it on her wedding day. Besides, I find it very beautiful and it's not the tiara's fault, that the previous wearer made some bad choices in her life.
Imo, wearing a tiara with coloured stones would look pretty much like copying Eugenie's wedding look, and I doubt that Beatrice will do that.
My biggest fear, though, is that we won't see decent close-ups of Beatrice with her jewels. What if they keep out all journalists and only publish an official picture? Those are usually wide shots that make it impossible to appreciate the jewels.