I have no firsthand knowledge with regards to durability, but I also am considering getting some freshwater pieces. The prices are much more within my reach than saltwater, and there are many beautiful colors as well as white.
Akoyas definitely can have the most mirror-like luster but not all do. The higher the luster (the more mirror-like), the more desirable they are, so the more they cost (generally speaking). See the image below from Pearl Paradise's website. These are two different Akoya pearl stud earrings that are the same size. One has a higher luster than the other and is higher in price.
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I've been looking at Pearl Paradise's website at the different pearl options. I've heard they are a reputable seller, although I have not purchased from them myself (yet). Freshwater pearls seem to me like a really good daily-wear option, especially for earrings. I don't really think I need mirror-like luster on my ears. Not for daily wear, but obviously that's a matter of opinion. Here are 2 different pearl stud options from their website in freshwater. One is more yellow than the other and is priced lower as whiter is more desirable. Note that on the whiter one, the luster is only a little less than the AA+ Akoya, but $95 usd less expensive.
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White south sea pearls are generally larger but more expensive, with lower luster than akoya. They tend to be larger, which for me, I wouldn't want on earrings. In fact, on PP website, I couldn't find south sea stud earring smaller than 8-9mm. If you do want large earrings though, south sea has the largest options available. If you looking at equally sized akoya vs freshwater vs south sea, the south sea will probably be the most expensive of the 3.
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If I want high luster, I'll go with Akoya. If I want more affordable and durable, I'll go with freshwater. If I wanted massively huge earrings, I would look at South Sea.