The silver Heritage is Sterling silver. Silver is softer than many other metals and so over time does develop micro-scratches that enhance the beauty. What you seem to be calling silver is the Palladium finish with chrome accents. As long as you don't do silly stuff like keep that pen in your pants pocket with your keys and coins all should be fine.
The fantasy Legacies mentioned above are bodies by Jim Rouse.
I do love the Legacy family of pens and have quite a few of them, several in Sterling silver as well as an earlier Black with Palladium cap.
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