i agree!i have black caviar jumbos with silver and gold. I thought i have it redundant but i use both of them. I will have a hard time to choose either silver or gold, since both serve different purposes. when i wear gold jewelry , i wear jumbo with gold hardware, and when i wear silver jewelry i wear jumbo with silver hardware. You can't go wrong with both hardwares.
So do I - I love the mix-match of white and yellow gold - I think that looks more modern. I grew up when you should never mix the metals, but now I think it looks fresher. So I carry which ever bag is practical for me on the day, no according to my jewellery.I wear both white and yellow gold jewelry together daily so for me it isn't really an issue of matching the hardware to my jewelry but I do think that the gold gives a bit more of a dressed up look then the silver which looks slightly more modern to me.