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I agree with gold too! I just got the mini lou camera bag in black on black but I also purchased one with ghw to compare. I know they're different bags, but if it helps I eventually decided that I would rather have the more lowkey, less noticeable hardware for the day to day and something eye-catching and shiny like gold for night time.
While Saint Laurent bags are beautifully made, the Kate doesn’t have a lot of design elements. The YSL and chain are like the jewelry on an otherwise simple bag so I definitely would not get the black. I think gold works better with this bag as it’s dressier. The silver is oxidized so it would look better with a more casual bag.