The metal is the part that has to survive being worn every day for decades while holding a stone in place. It matters more than it gets credit for.
18k yellow gold
Seventy-five per cent pure gold, alloyed for strength. Warm, traditional, and the colour most people picture when they picture gold. It flatters warmer skin tones and it never needs re-plating, because the colour goes all the way through.
18k white gold
Yellow gold alloyed with white metals, then rhodium-plated for the bright cool finish people expect. It is the most popular choice for solitaires because it disappears and lets the stone do the work.
Worth knowing — The plating wears. Expect to have it re-plated every few years — sooner on a hand that is used hard. This is normal maintenance, not a defect, but nobody enjoys finding it out afterwards.
18k rose gold
Gold alloyed with copper. The copper makes it both the warmest in colour and the hardest of the three golds. Like yellow, the colour is the metal rather than a coating, so it does not need re-plating.
950 platinum
Ninety-five per cent pure, naturally white, and the densest of these metals — a platinum ring is noticeably heavier in the hand. It needs no plating because it is already the colour it will always be, and claws cut in platinum hold a stone more securely than gold claws of the same dimensions, because the metal moves rather than snapping.
Worth knowing — It scratches into a soft grey patina rather than staying mirror-bright. Most people come to prefer it; if you want permanent mirror polish, it can be re-polished, but expect the patina to return.
Why we do not use silver
Sterling silver is about 2.5 on the Mohs scale against platinum's 4 to 4.5. It bends, it wears thin, and claws cut in it loosen — which means the stone you spent the money on falls out. It also tarnishes against skin and needs constant cleaning. Silver is a fine metal for jewellery that is worn occasionally; an engagement ring is worn while washing up, carrying shopping and sleeping, for fifty years. We will not set a stone worth protecting into a metal that cannot protect it.
Why we do not use 14k
Fourteen carat is 58.3 per cent gold against 18k's 75. It is harder, which sounds like an advantage, and it is cheaper. But the colour is visibly paler and less saturated, and the higher proportion of alloy means more people react to it against the skin. For a piece meant to last, we would rather put the difference into the metal than the margin. If 14k matters to you for a specific reason, say so and we will talk about it rather than refuse.