^ agree. i've seldom run across a 2-tone watch that i like.
that said, i wear a gold wedding band and it's pretty matte these days from wear. as is my steel-and-rubber watch. i don't worry about matching things. when i go 'full pirate' i wear my wedding band, a black titanium ring on my index finger, my watch and a thin silver cuff (pretty tarnished these days) all on my left hand.
i think it's just a matter of getting past the perceived incongruity, and finding some other dimension along which you can think about your options. there's more than just color ya know.
on the other hand, if you can't get around it there's nothing wrong with that either. somebody else commented about bands. lots of options if you are open to switching out a stock watchband.
no wrong decisions amigo.