Silver. I have only two Chanels remaining. Sold the gold hardware bags except one. I have not taken that one out it years. I do enjoy the Medium CF in silver. It is more casual and subtle.
But my lifestyle is casual and I live in the suburbs of New England. I may see another Chanel in the wild (Whole Foods ?), maybe twice a year.
I think it depends on where you live and your lifestyle. It can affect preference.