It's interesting to me that you find white and off-white difficult to match. You have so many cognac and tan accent pieces, I feel like white -- and white/black patterns like this one, would be very easy for you to incorporate into your wardrobe. I love the striped skirt with the denim jacket and Bed Stu sandals -- feels like a perfect picnic/walk in the park type outfit to me, especially if you add the hat.
I'm pretty terrified of white garments myself, because my life is quite messy, but I added Angie's Kut denim jacket last summer and it definitely plays an important role in outfits, even if it is not an everyday piece. When you have a predominantly dark base wardrobe, white has a significant wow factor.