True, it really depends on your environment. I have dark brown suede tassels, which I prefer to leather ones as well. Those navy loafers are awesome! I already have navy monks, so burgundy shell loafers are next on my list. But yeah, you should really go for some nice dark brown captoes, probably the most versatile shoe there is.
Yep. It's not within my price range but I'm debating holding off to find some EG Asquith on 888. I LOVE the EG 888 last. Fits as good as Simpson, or better, on my foot.