I think if you take it to the extreme you've described, it would put anyone off, definitely.
If you bear in mind your "palette" has 36 colours, it seems odd that anyone would do that, unless they've just got stuck on a favourite colour, which is their right of course, but not really what the process is about, to be fair.
In fact there are very few if any colours that are off limits, its just which "type" of green or which "type" of pink and which blue is yours, etc etc, so really nobody should look matchy matchy or constantly wearing the same colour, really, unless once again they just choose to.
I personally think its worth it just for the validation or confirmation or revealation, depending which is applicable, of which hair colour, makeup shades and shades close to your face are your best. Seriously if all you ever glean from it is that you now know of 3 or 4 really great lipstick/lipgloss shades that look good on your face even when you are wearing no other makeup, your ideal hair colour, and which pashmina you should wrap round your neck in winter, its worth it.
But when you get that far and see what it does for you, the natural progression is to study your swatch wallet and make sure the things you buy from now on tally up with that and tone with it....