ALL these reasons are exactly the same reason why i went with the saffiano leather version - when i went to the store with my boyfriend, we couldn't rationalize why we wouldn't pay just a little bit more for leather - also i almost exclusively only wear gold jewelry as well so i was afraid of it clashing with what i wear (though i do wear it with some silver outfits and it does still go well) - AND the times i have worn it out, i always got compliments on it
BUUUUUUUT, i would like to say, i've been reflecting on it a lot lately, and now i'm actually debating on selling it so i can get the nylon/silver one instead
i've only worn the bag twice since getting it back in march ... and the times i had a casual "sporty" outfit on, i told myself, man i wish i had the silver one instead to wear it with today. not saying the gold didn't still go with the outfit, i just think silver would have been better. i do agree with everyone above that the style of this bag is more "sporty" and casual so that's why the nylon and silver just pairs well with the design - when i was in the boutique debating between the two, i thought the gold version as a shoulder/evening bag would be so much more cute to wear than silver, but then i found myself anytime i wore an evening outfit and needed a black bag, i was grabbing other bags in my collection that are black and gold instead over the prada. so i think its definitely something you need to reflect about what you currently have in your collection and when you would plan to wear this bag compared to others. also i think if i didn't tell myself the price difference and saying what was better value for money, i don't think i'd be AS swayed to have chosen the gold.
i still haven't decided what i'm going to do, and i'm so sorry if this post didn't help your decision or make it any easier, but just thought i'd offer that perspective of someone who did buy the saffiano and somewhat regrets it. please let us know what you end up deciding ! would love to see what you get
also i've added some photos of the day i was in the boutique with the two different versions, and my outfit for one of the times i've worn the bag