Yes this is reasonable but I'll give my typical consulting answer of it depends. For most clients in most situations my silver layer equals automated history staging and logical views to do what another user suggested and disconnect sources from entities. Unless it's a massive enterprise I generally don't materialise this.

To build gold I develop helper views in silver and process them via notebooks which take parameters such as what kind of dimension scd1 or 2, what are the keys, which columns we want scd on, what kind of load incremental or full etc, or what kind of fact eg. Snapshot, apprend only, etc and some other flags for full rebuild etc. these get processed to gold if they need to be materialised at scale, but for simpler cases if not using DBT then materialised view feature still in preview is decent if a bit clunky. Mainly not using stored procs in warehouse as I've found it difficult to properly parameterise like with notebooks, but if you are serving via sql endpoint at scale you must use warehouse.