I used to think silver bags were a one night a year kind of thing, wheeled out for a Christmas do and then shoved to the back of the cupboard until the following December. Then I bought a silver shoulder bag that wasn't sequinned or shiny in a mirror ball way, just a plain, slightly matte silver leather, and realised it goes with almost everything I own that isn't already trying too hard. It sits somewhere between jewellery and a normal bag, and once you've got the right one it stops feeling like fancy dress.
Before you buy, check the finish close up, not under shop lighting, because some silvers look like foil and others look like metal, and that difference is the whole point. Hold it and bend the strap a bit, cheap patent style finishes crack along fold lines within a season, you'll see the colour go patchy white at the creases long before the bag actually wears out. Check the zip pull and any clasp too, a lot of silver bags use a shiny silver toned hardware that scratches to brass within weeks, which looks worse than if they'd just used gold in the first place. And look at the lining colour, because a pale lining in a silver bag shows every pen mark and lipstick smudge like a confession.
Mine has been through two winters of being knocked about on trains and shoved under restaurant tables, and it's held its colour because I don't let it touch other bags in storage, I keep it wrapped loosely in an old pillowcase rather than squashed in a drawer with everything else. A soft cloth wipe after a rainy night out is usually enough, and I avoid anything with a strong cleaning spray because some silver coatings react badly and go dull or slightly green, which nobody warns you about until it's happened. It still looks newer than bags I've spent more on, mostly because I don't throw it in with the gym kit.
If you've got none, start with a small cross body in that matte, pewter leaning silver rather than anything glittery, because it works over jeans and a jumper as easily as it works with a dress, and it doesn't read as an occasion bag that only comes out once a year. A well made one has a proper leather or coated canvas base rather than a thin vinyl that goes stiff in the cold, stitching that's even along the seams, and a strap drop long enough to actually go across your body rather than perching under your arm like it's auditioning for a clutch.
Pewter grey silver, not bright chrome, is where I'd start.