I'm sitting here with my professor Mom, and her award winning teacher friend who both see gold and white while I see very clearly black and blue. I tried zooming in on specific areas to show them just the shoulder, that I see as blue. They said they still saw white. Then I went to a black area, and I'll be fucking damned if I didn't see some definite gold! The majority of it was black, but there is definitely gold in that picture if you zoom in.
I recall seeing pictures of the dress in other light that make it obvious, and when you compare them next to each other i can see what's going on, but yeah by default my eyes 100% see white/gold here.