Wow the cobalt top really makes your eyes pop!!
Whereas peachy pink top pic 1 is doing what such colors do on me too---- I am not a fan. The long discarded top was different, it was more dusky.
I think the frame color is more about your hair color than your skin tone. I also cannot do black frames as it's just too harsh. Blue frames? I have too much blue undertone so it's just too much, if that makes sense?
Like you yes I can wear either gold or silver but silver I think is more flattering. I'm tolerating the gold since it's been on trend for awhile now, it looks fine, but silver is better. My wedding rings are silver.
These were three perfectly good photos you've picked -- #1 is warm, #2 is neutral, #3 is cool. To my eye you look best in #3.
If it helps when I had my colors done, way back in my 20s (yikes), they wrapped my hair in a white towel. So maybe try that then take more photos in various tops or scarves.
One more thing-- your lip color. Whether warm or cool it is deep and higher contrast than your skin. When I was younger my lips were similar. They've gotten fainter with age. But upshot is that I could never do light colors at all. And the undertone (for me, definitely blue) meant that trying a green or yellow undertone on my lips just did not work whatsover. Which explains my frustration with nudes.