I can see where you are coming from with this......a pretty basic, straightforward dress that you can change the look of with accessories. But I wonder if its a bit boring even for a "workaday dress"?
I wear loads of navy too. It goes with deep pink, red, white, cream, beige (hate that word but camel sounds a tad pretentious!). Gold or silver also lift navy beautifully (whether thats with jewellery or shoes/bags).