Probably right. Wonder about solder coated boards; best to silver plate the traces or backplane at microwave freqs.
But back to silver and copper:
Where contact by another moving metal connector is required, especially when the contact is not sheltered such as a rotary inductor, the siver is subject to wear in such an application on both the roller and the rollee, heh, heh. So thick is good.
In a non outside contact copper application where the surface oxidizes over time, the conduction region will just be under the oxidized layer. The skin effect will now be at lower effective radius in a coil and, of course, such will cause a lowering of inductance for that coil, all other things being equal.
In a non contact silver coated application over copper, then, the silver is just cosmetic but will prevent the oxidation of the underlying copper. So take your pick. Black conductive silver oxide or green non-conductive cupric oxide with slightly less inductance over time in the case of a coil.
Both cases of non-contact applications can be shined up and preserved with high dielectric poly coatings or in the case of old brass telescopes a good lacquer finish. Bond is important, because oxide creep is insidious.
I hope I've been adequately wordy.