Gold is a forever classic and looks great with both PHW and GHW. My first Birkin was Gold and I loved that bag. I still have at least five bags in Gold, and wear them all a LOT.
The only time I would say take Chai over Gold would be
1) (obviously) if you just adore Chai and think it's the most beautiful color (which I'm guessing you don't or you'd have already decided!)
2) if the contrast stitch on Gold isn't for you. It does give a more sporty look, although IMO Gold with GHW tones that down and PHW punches it up. Personally I love the freshness of the look, but not everyone does.