Late to the party here, sorry.I love my Westbournes and adelaides in general but because of their colour I only tend to wear them with with light/mid grey. IMO they are too light to wear with navy but ymmv.
Thats an interesting one. Here in London I see many people wearing loafers with suits so its not out of the ordinary. How it looks depends very much on the loafers imo but yes, toe-cap oxfords would have been the safer choice.