Yes, bifurcated contacts (which just means split into two side-by-side contacts) improve reliability through redundancy.
Generally, if a relay contact current rating is fairly low, it is apt to have gold contacts as a matter of course. When you get into switching many amps things migrate to silver, usually. Silver is bad for low-voltage (so-called "dry") contact applications since the sulphide is not a good conductor. If you are switching mains-like voltages this doesn't matter as the field strength is high enough to reach through the barrier, but at a few volts or less it's a pure hell of intermittency.