Silver solder is also harder and melts at a higher temperature. In terms of assembling things made of metal, silver solder falls between tin/lead solder and brazing.
Jewlers use several grades of silver solder to assemble complicated pieces. They start with the grade that has the most silver and the higest melting point, then work their way way down through the temperature scale. The higher temperature solders stay solid while the lowest temperature solder melts, so you don't end up playing "made this joint, but that one came loose in the process" all afternoon.
For PCB assembly, there's rarely any reason to use silver solder except (as mentioned) in lead-free solders.
When you void a product warrany, you give up your right to sue the manufacturer if something goes wrong and accept full responsibility for whatever happens next. And then you truly own the product.