Steel + Rose or Yellow Gold Datejust 31

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Hello could I have some advice please? I’m looking to purchase a datejust 31 with diamond bezel. Currently torn between the steel + rose or yellow gold combination. I’ve tried both them on in shops and still cannot decide so please help. I’m mid 30s Asian girl with fair skin tone. Looking for something that I can wear for years so it’s a big decision!
1) Steel+ Rose gold bracelet+grey or chocolate dial with diamond bezel. I do like this as it’s more low key and like a jewellery piece. I’m not sure if this will retain value as well as the yellow gold, and not sure if this will look too young on me in 20 years’ time?
2) Steel + yellow gold bracelet + silver dial with diamond bezel. I like this as well but not sure if this will come across too flashy?

Thank you for all of your advice. Appreciate it.