Yes! They scratch... Right now my bracelet is so heavy I am thinking of undoing the solder charms by having them removed and buying the clasp link bracelet instead to be able to freely move charms around and use my holiday ones also in a bracelet not just as pendant... Decisions decisions!
The clasp link bracelet is what I am looking to possibly purchase. I almost purchased it a few months ago, but I kept going back and forth about the idea of wearing my charms on a bracelet.
Right now most of my charms from Tiffany are enamel. I love the way all of the enamel colors look together, but I would hate to see them damaged. I would probably not wear the bracelet that often and I would also only put a few charms on at a time (which is why I love the flexibility of the Tiffany's clasp link). I would hope this would reduce the damage, but I am one of those people who likes things in pristine condition and I am afraid if the charms get scratched it will drive me nuts!

As you say, decisions, decisions!