What a great post, Helena! I never thought about it this way, but I find your points super-interesting. I thought (for years) that navy must be “my” black, simply because the color-gurus told me my coloring wouldn’t work with black. Trouble is, navy is not really right on me, either.
Over time I’ve learned it takes the RIGHT black (a deep slate or washed black), but it is possible to find one that works, when I feel patient enough to hunt for it. And I love how well a washed out black “grounds” my olive - in a much less preppy way than navy with olive; and a less boho way than brown with olive.
Navy feels like too much color... in fact, I am down to one navy blazer and a graphic tee - I’ve purged the rest.
I get what you are saying!!