They usually visit small towns or hang out in taverns. Those people usually trade in silver. Food is listed in copper or silver. Rooms are usually in silver also. The only things that are usually listed in gold are expensive items, and again that for simplicity sake. You don't have to convert, and most ppl won't, but from a role playing perspective, if you ask a weaponsmith how much a longsword is, he more than likely should answer 150 coins(sp), instead of 15gp.I don't see a need to do any conversion to assume that silver is the standard currency for ordinary people. Adventurers aren't ordinary people. The sacks of gold they're hauling out of ancient dungeons do not represent a typical laborer's wages.
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