Ok wow, this thread played out perfectly. Thank you everyone. I can kind of see what you all mean about the earth tones, but it didn't really hit home until you mentioned the earthy colors "conflicting" with the black shoes. I hadn't really thought of that, and I am one who hates seeing black and brown paired together. In any case, I will reassess my use of browns, yellows, and related colors in that light.
And just in case you were wondering what MY favorite colors with charcoal+white shirt were, they are pastels in green, purple, or blue. (Not counting black/white/silver of course).
Also, on your suggestion, I am going to go look at navy and burgundy, I've not tried either of those colors with it yet.
And @PhiPsi32, I have a pale german/swedish/irish complexion, with blond (with a touch of brown) hair, and a red beard. This thread was only looking at the combo with white shirts, so rather broad of a topic. When trying to wear a shirt that goes with my complexion that isn't white, I wouldn't have the foggiest idea of where to start. I'm new to "dressing up" for work, and taking it one thing at a time. I have my charcoal and navy suits, a few nice pairs of shoes, and currently I'm experimenting with shirt colors/patterns with the navy suit(so far my favorites are blue/white checkers or pink with blue pin stripe). Once I get more comfortable with matching in the navy I'll move on to the charcoal i think! =P