Two days later....
Two days later....
I finally made it back to the computer. I looked at the bus connection on the CH load center. It appears that the entire bus is made of a thick sheet of copper, then flash silver plated, then cut/stamped to shape, then the "fingers" that the breakers connect to are rolled or folded in half so that when you look at it from the front you see the cut edge. On the surfaces that the breaker makes contact with, it does have the silver.
There you go. Mystery solved!