Scarlett-I think I'm like you. Deep down, I am more confident when my colors are in harmony as you put it. I have tried to branch out a little and challenge my conservative nature, but I don't want to buy something on the pricey side and have it sit in my closet regretting my choice.
Biscuitsmon-Just like you, I love the cognac color, but fear it might be harder to wear for me.
Zapotee and Isabella-you make a good point about the discoloring, I didn't realize this could happen, that might make them a deal breaker for me as I live in the Pacific NW-loads of rain here.
Kate and Lisa- I hadn't thought about the bookending affect, that is something I should consider too. My hair is kind of redish brown (thanks to my wonderful hairdresser) so that would compliment the chesnut color-oh dear this is getting hard....
Kristine-I had always thought you had to match dark brown to dark brown, black to black, chestnut to chestnut, so this is venturing into unknown terriitory for me.
Well, votes are pretty evenly distributed although Chestnut is ahead by just a hair 5 to 6. Hmmmmmm. Hopefully others will chime in and help me sort this out...Thanks for your help everyone!