The dress was LOANED to her for the engagement photos. Just like celebs appearing at red carpet events who wear really expensive outfits and jewellery, those things are written up in the press and give the designer valuable publicity which they would otherwise have to pay for.
Many of the clothes you might see Kate or Meghan wearing are loss leaders, either sold to them at a massive discount or given to them, knowing that the public will want copies and the items will sell out. Mary Berry's jumpers and jackets used to sell out as soon as she was seen on the GBBO. It's a sales ploy. I'm surprised that sense didn't tell you that Meghan was just giving the designer some publicity, as with the coats and dresses worn by her and Kate and published (with prices) in the MailOnline.
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