The plastic ones would probably be your best bet. What I did when the kids were in their treasure chest phase was use the flattened glass drops kinda spilling out of the chest and onto the black gravel -- it looked really good. If you wanted to try actual coins (the other options didn't appeal to you), you could try cleaning the coins well with some alcohol, letting them dry, then paint them with silicone aquarium sealant, being sure to totally seal them in it. If you paint a good even layer to simply keep the water from getting to the coin, yet keep it thin enough to not be opaque, it might work for you. Obviously, if you have a pleco or other fish which might try to nibble on it, this would not be an option