My wedding ring is silver and gold, so it's never an issue for me. I do try to keep the metals consistent in an outfit, and so they go along with the hues I am wearing. Silver is for cooler colors -- blues, blacks, purples, etc -- and golds are for warmer ones -- yellows, browns, corals, etc. I also wear a lot of pewter (or pearls) for those colors which don't look right with either metal.
I saw someone at a party this weekend who had bright gold, silver, and matte gold all on her wrists and hands with her jewelry, and I cannot begin to tell you how badly it clashed and stuck out. Which was a shame because the rest of her outfit was very nice.
