As for number of bars, personal choice. You are Captain, you have earned four and no-one would deny that. Single-crew charter is a tough job. If you think that looks pretentious there is nothing wrong with wearing three. Two would be putting yourself down. Times I have flown single-crew I wore whichever I found first.
Since you have the choice, get a girl to advise you on gold or silver. They'll know what suits you better. Preferably one you want to sleep with, as they love that sort of stuff
