I think if you dressed down when wearing the bags (not to much jewlery on, etc), they would not be too flashy. However, myself, I prefer the classic colors.
The dark silver is really nice IRL. Kind of a pewter color, if I remember correctly. It's my favorite of all the new metallics, probably because it's a lot more subtle.
I actually saw both the silver and gold at neimans in atlanta while christmas shopping not too long ago...love em'
However, if i was buying one for me i'd definitely go with the darker gold, or bronzy one i guess you could call it....very classy and you dont risk it being "too blingy"...imo