My fiance and I went to New York state in early December to visit his brother's family. We were staying with them out in the White Plains area for a week. In the beginning of the week, there was a train derailment on the line into the city, so we decided to wait to do a trip in. Then when the trains came back, we really only had one day that we could have gone, but it was a wet, drizzly day so I didn't really want to go walking around in the rain all day, so we never ended up going into town. What I found out later after we got engaged was that he had the ring in his coat pocket the entire time. He went through different security lines than me in the airports every time just in case, and I didn't even notice. I found out that his plan had been to propose to me in front of the big Christmas tree at Rockefeller center. Oops!
The actual proposal was very "us" though. We exchanged gifts and stockings on Christmas Eve before heading to his parents' place. The last thing I pulled out of the stocking was a ring box sized wrapped gift. I looked at him suspiciously, then unwrapped the paper, inside was a box, and inside that box was a ring box. I remember looking at him and thinking "There damn well better not be a set of earrings in this box..." I opened the box and... there wasn't a ring inside. There was a note that said "IOU one ring". A million things went through my mind as I stared blankly at the note, foremost of which was "well yeah, we've discussed this, why are you reminding me that I don't have a ring yet?" then when I turned to him, he was down on one knee (with a look on his face that said you're adorable when you're confused), pulling the ring out of his shirt pocket.
Apparently when I was about 20 minutes later than usual getting home from work he spent the time convincing himself that I had died in a car accident and he was going to be one of those sob stories.