My thoughts on the tiara are that the following scenario is a strong possibility:
Way back before Beatrice was even engaged, she might have imagined herself wearing her mother's tiara on her own wedding day. However, besides any personal style choices to reject it, there are two reasons why the notion might have been shelved. One is that the tiara is associated with a marriage that ended in a high profile divorce and her mother's scandalous behaviour, which would be replayed in the press alongside her wedding photos. The second reason is of course Andrew's problems so again, she wouldn't want her own wedding photos to fuel more excuses for the press to feature her father.
I suspect HMQs advisers had worked this out long ago and the suggestion of HMQ's own wedding tiara was made (alongside a choice of others). The possible disappointment of not wearing her own mother's tiara would be alleviated by wearing Granny's.
HM is said to be very close to her granddaughters. I don't think the suggestion came from any adviser, but rather from the Queen herself in a public show of support for Beatrice given the adverse circumstances.
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