Hold the underside of your wrist up to ample lighting and observe the most prevalent colors of your veins.
That means.... you have a mostly COOL COMPLEXION! Cool complexion skin tones tend to have a pink shades to them, so silver metals are always a safe bet for a flattering contrast.
COOL COMPLEXION METALS:
That means... you have a mostly WARM COMPLEXION! You most likely have a tan or golden glow to your skin. To emphasize the glowing of your skin, gold metal is a great option for you.
That means... you are among the lucky ones! You probably have a neutral complexion. This means no one metal will look better than the next on you!
STEP ONE: take a piece of silver foil and hold it up to your face
STEP TWO: take a piece of golden foil and hold it up to the other side of your face
Observe which side of your face glows the most.
IF IT'S THE SILVER: that means you have a cool complexion.
IF IT'S THE GOLD: that means you have a warm complexion.
ALL OF THIS is to say... you should always wear whichever metal makes you feel the happiest. There is no formula to your unique + individual beauty. :)