Definitely the gold. The gold on this tote isn't too gold that it stands out too much. I too, wear a lot of silver and platinum jewelry but would NOT feel that the gold in this bag would contrast my jewelry. I think the gold effect is timeless as opposed to looking too trendy since the gold is very muted. In fact, it blends in so well with the khaki that it almost looks more brown. White is also VERY nice, but if you want to wear the bag all seasons, the gold will probably be more verstatile.