My particular watch craziness -
My wedding set is platinum, but I have my late mother in law's gold band and on the infrequent occasions the watch is not stainless, white gold or silver I wear that instead.
Otherwise my rules are the usual - form, occasion, function, mood. I lay out my weekday clothes the night before and the watch is chosen along with the shoes and jewelry. Believe it or not, I use the same weekday handbag for an entire season - too much bother to change bags but no bother to set and wind the watch!!
Ginger