I'm a neutrals fan so I'd go with the gold and white haha.
And most of my wardrobe is black, white, beige, with hints of gray and olive greens so I can see gold and white working beautifully.
Though for either one, I'd wrap the handles since they're both white, I wouldn't want the canvas/woven material to get dirty or look more worn than the rest of the bag.
When you reach for a bag in your current collection, are there any colors you tend to gravitate more towards?