I think it's actually just the first account you set up - so out of the box your first profile is silver, then after that you have to opt for gold accounts, or just local accounts with no Live access.
It's pretty handy to have a silver and a gold account, so I suggest making an account for silver, enjoy the month free gold - then make a fresh account for when you have to pay for the gold account. Some games prefer you to use a seperate account for multiplayer, like Gears of War for instance.
We're going down... in a spiral to the ground...