No, it's Annabelle that was the big disappointment. Her entire personality is defined by the fact that she is poor, and wishes that she were not; that she is gently-bred, and insists on marrying the same. She tolerates her reduced circumstances with fortitude and some grace; but she is materialistic to a fault, and that soured me on her. Whenever she is happy in the book, it's because she's gotten a present of one kind or another. She refuses to contemplate marrying a non-peer, which seemed rather revoltingly inappropriate in her situation. I didn't find her particularly witty, engaging, intelligent or thoughtful. I don't mind a heroine with flaws, but that's all this girl had.
As far as it goes, it's a decent enough Kleypas. Less action than she's capable of stirring up, but not unpleasant.
Simon was one of the best Kleypas heros I've come across - she seems to have a knack for polishing less-than-perfectly-bred men to a shine in historical romances, and he's another example of that. What's really most satisfying about Simon is that he's so unflinchingly devoted - he pursues Annabelle for years, and he is not prone to temper tantrums or fits of masculine cruelty. All that, and he still manages to be tough and properly manly.