If you are planning to wear your jewelry for years to come you might consider upgrading to 14K gold.  Silver and goldfill are the economical choices, but silver will tarnish over time and goldfill may change color if you don't take care of it properly. 

If you are planning on your jewelry becoming a family heirloom it only makes sense to invest in 14K gold.  Doesn't that make the additional cost worth it?