I will share part of my experience, though I have no advice. When I was at what I think is the stage you are describing, my hair looked taupe to me. Not gray yet, but far from the dark brown it once was. I found I really disliked how I looked in medium to light heather grays. I liked wearing clear blue-grays, because they brought out my eyes (which are blue or gray or aqua). But heather grays just seemed to accentuate the graying of my hair and made me look and feel drab. Taupe was a much better light neutral for me. Now, several years later, my hair has gotten more gray, and I don't mind wearing heather grays. I'll still wear taupe, too.