To Krish’s point, I do think of metallics as having some rough equivalence to neutral non-metallic colors in my wardrobe. For instance, I don’t care for white shoes for myself, but shinier silver makes a great stand in for white to brighten up an outfit. Rose gold is *my* blush, because i don’t wear blush well, but rose gold accents help brighten and warm up my outfits, especially in summer.
I tend to make sure my metallics in a outfit “go” if not match, but there are no rules. I feel a little too matchy if I wear silver shoes AND carry my big shiny silver tote, but I will wear statement silver jewelry.
If I’m wearing an item of shiny clothing like a metallic top, I usually keep everything else subtle — neutral colors, matte textures — so I’m not feeling overwhelmed with shine.
So I see it as a balancing act — I don’t like to be maximal, but I’m not minimal either, so I rely on my eye to tell me when I’ve reached my personal balance point. I think it’s just a personal preference and you’ll need to try different combinations to see what appeals to you.