I normally deal in Plain White and Silver simply to keep my inventory to two items (me? remember THREE?!! Sheesh) and the glossies are a needless expense where I'm creating copies for our kids to possibly destroy, lose, spread peanut butter with, create ninja-star throwing disks, etc.
If I'm got a Data Backup Session listing Folder Names, I can use either Silver or White, but for Silvers, I generally leave Text in Black or a ultra Blue or Red or Green (to use a few other color-cartridges). But I feel like I need that 'contrast' of Black or Very Dark for easy readability.
If I use Whites for this, I can use any color for as-easy readability, although I still need a black-outline around the font for light colors.
If I've done a Photo-Collage backup disk, I might paste 'thumbnails' on the surface and, if I've got more than 4, then I'll try to use a White disk because, as my photo-images shrink, the Silver's satiny 3D-effect tends to make details less distinguishable.
For a single photo, or even 2 or 4 (set in quandrants), the Silver produces a nice effect.
The Silvers has this 'brushed look' and most brands use the Inner Hub (about 3cm) to have an opposing-brush look. It's almost like iridescent cloth - hold it at one angle, and one shading appears - hold it at another, and another shading appears.
This reduces Readability, somewhat, for most brands (Philips, TY, Verbat) but the best consistent finish I've found has been on the Falcons (FTIs) where the 'brushing' is in the same direction as the rest of the disk. There is only a small 'band' that's visible, after printing, too, much more discreet on the Falcons than any other brand.
(We're headed to Croatia next summer, sailing the Adriatic, and we hope that, in the following summer, we can do car-travels all over, and hopefully get into Macedonia, too.)