Joe:
I have had a similar thought. I really dislike the asthetic appearance of silver toned jewelry on my skin--always have. And yet, since I'm in the waiting room and the engraving will change after I'm out of the waiting room, I don't want to spend the money a "temporary" gold bracelet would cost. Plus I have a great little gold bracelet my kids gave me for Mother's Day last year that I'd love to wear all the time. I was thinking that once I've traveled "the mountain" I'll buy a gold bracelet (or just the tag part, if possible) and have a jeweler incorporate it into the Mother's Day bracelet. You could probably have a hybrid made of the bracelet you already wear and a new one (or just the tag, if you can find it). For now I live with the yucky stainless one.
Good luck!