I get kind of peeved any time there is an association drawn between "fear" and a personal preference. Just because I prefer not to wear something doesn't mean I'm "afraid" of it. Everyone has to set SOME parameters on what we wear, otherwise how the heck would we even make it through a trip to the mall, trying on everything and anything in sight? While it's great to keep an open mind and be flexible, you need to start with SOME kind of structure, otherwise where would you even begin? When I make statements like "I don't wear brown," I simply mean that I don't wear brown NOW, but I'm not closed to it. If the right brown piece comes along, I won't be opposed to it. It just hasn't happened yet.
While I have picked up the phrase "belt phobia," I don't actually feel that is a fair statement. My concerns are real and based on lots of experience trying on belts, not rooted in some irrational fear. Again, I think I have proven that I'm not stubborn and closed to the idea of belts, but I have also proven that it is NOT easy for me and my frustration is justified.
Having seen April in person, I can totally see why she doesn't prefer bright colors and feels overwhelmed by them. April, I think you actually have a better intuition regarding color than you might think. I still don't think you need to stick to neutrals, just more muted colors. Saturated color would still look great on you, but it has to be the right kind. Cool and/or dark shades are best for you, I think. My color palette would not really work at all on you, neither would Angie's sour colors.