I nearly didn't buy one at all, thought it was a bit much, and then I wore a plain black dress and a small gold bag to a fiftieth birthday do and watched it do more for the outfit than anything else I had on. Nothing else about the dress had changed. The bag just lifted the whole thing without trying.
This is an evening and occasion bag more than a daily one for most of us, so I reach for mine for weddings, parties, the odd dinner where I want to feel a bit done up without changing anything else. It works just as well in December under coats and fairy lights as it does in July with bare arms, which surprised me, I'd assumed it was a winter thing and it really isn't. What it struggles with is anything ordinary, the school run, the supermarket, a wet Tuesday. It draws attention, and on an ordinary day that attention feels wrong rather than nice.
On fit, the main thing is size against what you actually need to carry. A lot of gold bags are small, clutch sized or barely bigger, and that's fine for a lipstick and a phone but not for anything with a proper wallet in it. I'd always check the depth before the width, because a bag that looks roomy from the front can be surprisingly shallow, and I've stood in a cloakroom queue wrestling my phone out of one that was basically two centimetres deep. If you want to wear it across the body, check the strap length sits where you want it, some are long enough for an evening slouch and some are really just a wrist chain in disguise, and that changes the whole feel of wearing it.
The finish matters more than people let on too. A soft, slightly worn gold with a matte or brushed look sits much better against most skin tones and most colours than a hard, shiny gold, which can look a bit like it's trying too hard, almost costumey under certain lights. I learned that one the slow way, bought a very bright, very shiny gold bag for a wedding and spent the whole day feeling like I was carrying a bauble. The softer tone I have now has been to three weddings and never once felt loud.
It isn't for every bag need, and I wouldn't want it to be. It won't carry a laptop, it won't survive being lobbed about on public transport every day, and it's not trying to be the bag that does everything. It's for the nights you want to feel a bit more pulled together than usual.
Hold it against your actual outfit colour before buying, gold reads very differently next to black than it does next to cream or navy.