A black tie, especially in a knit or grenadine weave, is kind of like a navy blazer. It's classic, understated, versatile and is what you want if you can only have one tie. Once you own enough ties, you may not reach for it too much, but when you're starting out, versatility is key. A black tie also looks fine with navy and charcoal suits in addition to light grey.
I think this is a valid point. After all, as far as color schemes go, black can't clash with anything, so by that criterion it's about as versatile as it’s possible to be.
However, I’m not sure I agree that given the wardrobe the OP’s asking us to consider (viz., “I have the basic suits - navy blue, grey and charcoal. And the basic shirts - white, blue, white and blue”) that I agree that a black tie “is what you want if you can only have one tie.”
Given the three abovementioned suits, I’d go for a navy tie myself if I could “only have one.”