To me, silver is interchangeable with dollar, for etymological reasons.
Likewise, there are always one hundred cents in each dollar. Pennies are made of copper.
The only real question is how gold relates to silver. From what I recall, the historical trade rate has been much closer to 20:1 than 10:1. There's also a well-known gold coin - the golden double-eagle - which compares well against the standard silver dollar (although gold coins have also come in other denominations, of course). But then, it's not very satisfying from a metric perspective if there are only ten silver to the gold, while there are a hundred copper to the silver. In the end, I usually go with the familiar 100:1, for the sake of consistency, and it prevent characters from needing a wheelbarrow for their cash.