I have been pondering the black / navy and cream / white issue... I have all of those colours in my wardrobe 
What I am wanting is a wardrobe of good quality things that suit / flatter me and that I wear regularly. Until yesterday (when I had the mother of all clearouts - one bin bag to charity and 20 things listed on ebay), there was stuff in my wardrobe that I had never worn or hadn't worn for months 
I have kept the folowing:
3 pairs of jeans, 2 stripe breton tops, 3 plain long sleeve tops, 5 Ts, 3 vests, cream cashmere cardi, long grey wool cardi, black cardi, white cardi, pink cashmere jumper, grey polo neck, black and white jumper, white shirt, white tunic shirt, Black jersey dress, printed jersey dress, 2 pairs black leggings, black city shorts, charcoal wool military coat, black parka, navy gilet, black and white linen trousers, 3 fine wool scarves and a hat.
This clearout has helped me see what I have and what I need to buy - a skirt, a decent pair of trousers, a trench, a LBD and a summer dress
On another positive note, DS has recovered and we are able to leave the house at last 