I'm going to go out on a limb and say that a tortoiseshell watch may actually be MORE versatile and practical than silver or gold. Personally, I believe that you should invest in one really nice watch, so it was a pretty big decision for me. I went back and forth between a bunch of colors and styles before finally deciding on a medium-sized tortoise Michael Kors watch. It seemed like the best choice as something I could wear every day- not too wintery or summery, not too casual but also not too extravagant. Since I have a small wrist, the medium size is noticeable but not overwhelming. I would definitely recommend buying one!
Pink Bangle: J. Crew
Wrap Bracelet: Chan Luu
Watch: Michael Kors