Hmm, this is a toughie. Some people are actually a mixture of both. When I'm flushed, I am very warm-toned. When I'm not flushed I'm very golden toned. So I never really know what tone I am. I would not be the best person to ask when trying to ***** skin undertones.
One way to determine what might compliment you, is to go to a wig shop and try on different colors. You might get a sense of what your preference is when pairing it with your own skin.