Ladies' gloves

The problem is that if these are fitting fashion gloves they will fit too tight to cover a riased setting, but you could wear the ring over the glove without changing fingers. If you have three carats over several stone without a raised setting it might fit under a satin glove or another glove with some give.

When wearing the gloves she would have to spin the set toward the palm side. I did that when I wore gloves. It seems there is more room on the underside of the finger area then on the top part. (Hope that makes sense.)

Or get "ring gloves" custom made; My google-fu turned up the discussion on a brides' board.
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Many brides prefer the classic elegance of wearing gloves with their wedding gown, but there are several things they need to consider for their engagement rings. Never wear the ring on top of the glove - it could easily fall off when the glove is removed or be too tight to remove without a struggle. If the ring is to be worn under gloves, they should fit loosely through the fingers to avoid snagging on the ring, especially if it has a high, exposed setting. A specialized ring glove is recommended, where the appropriate finger has a functional slit and can easily be manipulated to accommodate rings. After the ceremony, gloves should be removed for the meal and socializing, and to better allow guests to admire the new wedding rings.

She could wear the ring over the gloves... but that strikes a certain tone for me in terms of the type of woman you're writing. Does she have to wear the ring on her finger all the time? A friend of mine got engaged recently - she keeps the ring on a chain when she's wearing gloves, washing dishes, or doing anything that would muck it up.

She wears the ring under the glove; a kid leather glove--naturally.

If she is wearing gloves to keep her hands warm, they may be loose enough or stretchy enough to fit over her ring.
If she is wearing elegant kid gloves, the kind that come in sizes to fit your hand, she would have to turn the stone to the palm side.
Could she put on mittens? (Hand knit by Peruvian natives with hand spun llama yarn, of course. Preferably dyed using vegetable dyes only.)

I agree that swivelling the setting to the palm side is the most likely scenario.

If the gloves are italian leather, cashmere lined (as I imagine a new york fashion editor would wear), then there is absolutely no way on earth the ring would fit over the gloves.

Winter gloves are just not that fitted--a three-carat solitaire fits just fine under winter gloves, either in its normal position or reversed, depending on how raised the setting is. Also, a three-carat diamond isn't enormous; in a circular cut, it's about 9 mm in diameter.

Where people have issues with rings not fitting under their gloves is with formal gloves, not with winter gloves.