I like the Cartier better. For myself I personally prefer stainless steel (for my type of style). Generally I like two-tone because it has a very feminine touch ans still matches a lot of style. About wearing with gold, I think the matching depends on the individual tone of the gold accessoire you wanna match with the watch. If it has a yellowish touch I don't think it will match.
As for your decision, if you love the two-tone, go for it. It will get expensive for either of the watches, so really choose that one you love. Otherwise I think you will regret it. For style, Cartier looks more classy.