The main difference lies in composition, density, and long-term durability. Affordable metals like sterling silver or gold-plated silver offer the same elegant shine but may require a bit more care over time. On the other hand, solid gold (10K, 14K, 18K) and platinum are denser and more resistant to wear, making them ideal for lifetime pieces. If you’re unsure which option suits you best, consider your lifestyle: silver and gold-plated pieces may tarnish or lose their color over time, while solid gold or platinum is ideal for everyday, heirloom-level pieces.