I have a beautiful muzzleloader built just after the civil war as a presentation piece for a civil war general. It has gold inlays. The gun was built by N. Nathan who received commissions from the various states for persentation guns. My gun is almost identical to the gun Nathan built for General Grant, which is at the Smithsonian. I shoot the gun often and have killed a bunch of deer with it. No problem with the gold inlays at all.
I take extreme care with the gun while hunting with it. Most of the original finish is intact since I'm sure it wasn't used much by the original owner. Most presentation guns were rarely shot.
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