Uh... huh?

Are you referring to the Chimera that isn't out yet and isn't canon nor present in any game material and thus hardly a hero ship? Or the Yacht that is vastly less popular than the Delta, and doesn't perform as well?

Because that's what the Golds get that Silvers don't.

They also get access to the Galaxy-R, Intrepid-R and Defiant-R I suppose... in a limited fashion... after being subscribed for 600 Days... which would be around a $300 cost there. All three would run a Silver Player only $60... 1/5th the Gold cost, and they'd get full access across all characters as opposed to the limited variety the Vet Program provides, and of course the Silver Player would get the ability to unlock Fleet versions for $5 each as opposed to $20 each... a benefit the Veteran Token does not offer.