What I am going to say is from Dr Sievers posts over on The Trumpet Corner (Bach).
Silver plating is more durable in comparrrison to laquer. The horn SHOULD ALWAYS be wipped off after use to remove any of your oils diposited on the horn
The easiest way to keep silver plating clean is to WEAR white or black gloves (marching band) when you are handling the horn. Whipe the horn down with a clean soft cloth before the horn is put away. Use a treated cloth from time to time as needed.
Also: problem with silverplating flaking off, the same would happen to the laquer finish