I guess I can get behind the white/silver one. I use a case on my phone too, but I prefer a soft white/translucent silicone case where you can still see the back of the phone. When I upgrade from my 4S I'm going to miss the pristine all-white look.
The gold looks tacky to me - a little too Robin Leach.
I'm excited for the faster chip, the motion co-processor and the upgraded camera.
I'm in wait-and-see mode on the fingerprint sensor. I don't use a passcode on my phone because I'm responsible and don't leave it lying around. To me my phone is about convenience, and a passcode is an inconvenience. I don't want a fingerprint scan to add extra steps or time to what I'm trying to do, I want it to make things simpler and more direct.
And of course, I'm excited for iOS7. That said, it's going to be a tough decision on whether or not to upgrade the firmware on my jailbroken 4S. iOS7 borrowed heavily from a lot of jailbreak tweaks that I already use, so if I do upgrade I won't lose much. There are a few things that I consider near-essential though that I'd miss out on for a while - like being able to add more than 4 icons to my dock and scrolling it, setting custom tones for push notifications, maxing out the alarm clock volume independent of other volume controls, etc.