Harries - I think your bag sounds lovely and I think the silver hardware is lovely. AND think of the saving you made - I think you made a wonderful choice.Silver hardware is very desirable! Lots of the posters here would prefer it over gold - I know I would!
There are lots of keyring options if you really cant get a clochette but do bear in mind that the plain ring keyrings (ie those without the lobster the claw) are a devil to get onto the Bays Handle (either the handle gets damager or you spring the keyring).
Personally I think the classic Black Bays is minimalist perfection.........Audrey Hepburn!