Wrong. Gold in NOT inert. Inert means non reative with anything. Any element with only 1 electron in the outer orbit can and will react with some elements. Gold is similar to Platinum and they are both highly resistant to combining with other elements but Gold expeacially will react with Chlorine, Fluorine, Aqua Regia and expecailly Cyanide.
Note that Silica Gels are mainly for short term storage. That is why may leather goods are shipped with a silica gel pack. However, note once they have served their purpose of keeping moisture out of the air, they can not accept any more moisture. Some manufacturers make reuable ones though. However, using these in a moist invironment is a waste of money and is outdated since our civilazation has now found out about dehumidifiers. I live in a rather moist regend of the US. I have a dehumidifier in my basement where I keep my coins primarilly except the ones in a banks safe deposit box. This machine keeps the humity down to less than 25% most of the year. Some time ago I experimented with large Silica Gel packs. I hung 12 of them all over the basement. I shut off the dehumidifier and watched my hygrometer soar to well into the 40% area withing the first day. It leveled off at 45%. After a week of this I turned on the dehumidfier, threw out the gel packs and the humidity returned to about 30% within a few days. My suggestion is to stop toning of coins, place them in anything that is air tight or almost air tight. I have had coins in my basement now for well over 30 years and no toning at all.
With one Electron? Is as one naked electron in a SP subshell. http://www.chemicalelements.com/elements/f.html
BTW - Gold is 'relatively' inert for the same reason stable compounds and elements like He, Ne and Ar and 'inert'. Their subshells are all filled in a stable configuration at room temperature. Ruben