It looks like you've made your decision, but if it helps.....
I love both white and yellow metals and wear both. I have exactly the watch you want, and I love it. The gold in the band is matte not shiny, and I have to say this particular two tone is exceptionally beautiful. I love the combination of the matte gold and stainless down the center, the shiny stainless on the sides, and the blue sapphire cabochon set in the shiny gold winding crown.
It sounds busy, but it all works together. This watch gets noticed.
If you are the kind of person that makes a purchase like this with the intention of wearing it for the rest of your life, go for the two tone.