yes, buckles are bad. I've pretty much always had to do the 'frat tuck' (someone i know from college always called it that, so i have too) with the bit of t-shirt right on front tucked into my pants a bit just to keep the belt buckle off my skin.
I've got an orvis Ti chronometer that is nice, but the bracelet pinches a bit. Plus i'm less up on the busy nature of the dial at the moment. I found a used citizen BM8180-03E online and am waiting for it to arrive. I think a good NATO strap will help keep the metal off my skin, plus i've found a few places that do Ti buckles if i need to go that route.
Why do you need to keep the metal off your skin? It's a SS watch.