I would definitely use the gold finish if you have fine pitch devices.  This finish is a lot smoother and will cause less defects through surface mount.  I haven't seen or read any reliability reports were the length of life is any different between the two.  As for solderability it is just as good if not better.  It is also easier to inspect since the gold is a different color paste screening defects are easier to see and insufficient solder is also easier to detect after reflow. 

 

Kathy