That's a really good question, I must say first off. =]
I'd have to say that it really depends on the bag, but I'm more keen on silver than gold. To me, gold just looks kinda cheapy, whether its real or not.
I never wear gold jewelry, either for some reason. I think that it makes caucasion skin look washed out, so thus I stick with the silver!
It seems to be a trend on the board that most go for the silver. So tell me girls, why aren't you partial to the gold either? Anyone agree with my reasons?