Huh. Okay then, now I actually feel pretty good about that plan. I guess I'll run with it, thanks guys!
My plan, colour-wise, is to rip off the look of a boat I happen to like:
Royal blue hull, rubrails clearcoated, red antifouling, white deck. Off-white interior just to dial down the eyeball-searing days of summer. It's got classic enough lines that I think a pretty traditional colour scheme is the way to go.
The only thing left I really need to decide is whether I want to tint the anti-skid, which is currently bright white. It might be better in an oyster white or light tan or something. I guess I might do the interior sidewalls light blue, but I'm not quite sure about that yet. It has to be light enough that everything is very visible against it, but not so much that my eyes hurt if I forget sunglasses. A light blue is a pretty classic interior for a skiff, but so is a grey.
But the big decisions are done, at least.