I considering the champagne dial as well. I opted for the white dial because it is the most versatile. Ofcourse they both are versatile, but white really goes with any outfit and any color strap if you would want to try something else than the bracelet.
I guess the degree of how much mother of pearl effect there is will differ from watch to watch. Mine has very little effect, which I appreciate. I would consider the dial as white, with some luster coming into play in full sunlight.
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