I don't think we even know where he met her -- at chapel?
She just showed up in his sitting-room one day, to be seen (by chance) by one of Meical + Michelle.
I thought she was just hiding the ring because it was too ostentatious (see also: wiping off the lipstick) or looked too expensive; it didn't look like a wedding band to me. She mentioned visiting the grave of her husband Ifan so I thought she was a widow. Though who knows what can be trusted....
I wonder what her goal is? Is it really "take Mr Lloyd for as much as she can"?
Nor would I!