I much prefer navy to black, mostly because I love to wear color. Black is ok, if I'm doing a (rare for me) all neutral outfit, but I think navy works better with color than black does. Turquoise, coral, orange, yellow, bright pink, light blue - I'd put these with navy, not black. I do the red, cream/white, and navy thing too - no shame in that. As for shoes, I do grey, red, oxblood, yellow/mustard, orange, or cognac with navy (yes, I may have a bit of a shoe obsession).