This apple is rotten to the core.
The heroine, Amy, is stunningly beautiful, but in my assessment also stunningly stupid and conceited, which is deadly, because I don't care whether she ends up happy. Her family has fallen on hard times, and Amy finally (took her way too long) decides she has to sacrifice herself and marry a rich man. To that purpose she does minimal research and decides to fake an accident with her gig in front of a nabob's home. She doesn't make it though because a torrential rainfall causes the (purposely weakened) reins to snap before she gets to the nabob's place. She ends up at a farm where our hero Harry happens to be alone, engaged in erotically trying to repair an automaton (not even really kidding), his two friends being out hunting.
So Amy spends time alone with him (uh oh), only covered in a blanket (uh oh). They're getting on pretty well, except Amy becomes sharp every time he says something she finds even mildly disagreeable (and there are many such things). She is surprised by that because she considers herself the most moderate of people (I see no evidence of that anywhere; she has a quick, violent temper pretty much any time something rubs her wrong). When she washes her clothes, she somehow forgets all the underwear and only does the dress (how stupid can you get even when discombobulated?). He takes her to another farm to stay the night and rides off to inform her family.
There he gets the impression she is Cinderella and her family use her and don't really care about her (he's mistaken). He's not poor himself, but he's the heir to his father's title and money, he just has a generous allowance for now. But his father is not well, and so Harry has started to think of marriage, and his thoughts quickly jump to Amy possibly being a good option because hey, she's there, no reason to hit London, and whoa, she's naked under the blanket. Forgive me for not cheering that romantic notion. Amy isn't smart enough to actually find out for sure about the money situation, she's just guessing, while we find out when we're in his head space that he could make her family's life considerably easier even now. But Amy generally won't take temporary charity of any kind, while trading her youth and beauty for an immediate windfall (hoped for but never assured because Amy doesn't do research) is apparently alright. Fine thinking, Amy; all 4 of your brain cells must have fired at once there.
A couple of days later Harry visits Amy and proposes, and she not only refuses him, but becomes immediately rude when he asks why and suggests maybe they could take some time to get to know each other better. She finally tells him that he's simply not rich enough, he calls her a bitch (not likely, Ms Beverley), and she slaps him, hard. Exit Harry & friends stage left.
That was pretty much the end for me. The "bitch" bit was unkind, but she had been excessively rude to him all along, and I thought of her in those terms too; sue me. Harry's shortcomings were a tendency to jump to conclusions, being overly protective, and prating on about the management of her finances, which were really none of his business (though she could have used the advice since she apparently didn't have much of a clue). But her rudeness and conceit outweighed his shortcomings, which could have been handled politely. I mean, again this was stupid -- even if she didn't want to marry him for mercenary reasons, he and his 2 friends were a solid connection, and that could have benefitted her family. Wouldn't that have been worth to hold it together to turn him down with some care for his feelings?
This is really a big reason for me not liking her. Yes, she is willing to sacrifice herself to provide for her family, but in actual fact she doesn't pay much attention to others and how they feel. She completely misses that her sister develops a liking for the nabob (when they finagle an invitation from him) and is bored and consequently again, rude to him, not considering her sister at all. I also can't abide the ongoing stupidity. Sure, research wasn't as easy as today, but if you want to be a mercenary fortune hunter, be competent about it, and check out the guys you want to throw your cap at. She basically goes on as clueless as before once she gets to London for the season.
And then she is unbelievably lucky because everyone around Harry (all the folks who got married in previous books in the series) decides to be nice to her only because Harry is clearly not over her. She redeems herself a little by stepping back from one of her potential conquests because a friend is in love with him, but for me it's too little, too late.
I mean, insta-luv is bad enough without this sort of handicap and I'm rarely into romance where there's nothing else (she could at least have developed more of an interest in steam engines; there was a smidgen of something connecting them there). I wasn't particularly captivated by Harry either, and I don't see this relationship as viable at all.
I'm also not much impressed by all the extra couplings Beverley threw in there, 3 extra ones about which I didn't care, though I could have cared about Beryl and Clyta if we'd had more time with them. Everything was rushed, including Amy and Harry making up. I didn't want them to, no, but if there had been some real growth, maybe. I dunno. If somebody treated me that way I would let the infatuation run its course, not go back for more (he does so several times). It's not primarily that she said no, it's how little she cared about his feelings.
Beverley clearly likes her own heroine and thinks she's great, but all she shows us about her doesn't match that ideal. So yeah, very much not worth it for me.