Style Help: Neutrals and Color Play

If you've read this blog for any amount of time you've probably picked up that I'm a huge fan of a pop of color. While I oddly feel a little naked without some color in my outfit, even if it's just in a teeny tiny piece of jewelry, I really love an all-neutral outfit as well. It just takes a little more courage for me to wear one!
Today we're talking neutrals and color. Below I created 3 outfits where the clothes are all neutral and showed different ways to add color with the accessories. Hopefully it helps give you ideas on how you can experiment with colors (or neutrals, in my case) a little more.
BTW, the top I'm using is awesome! You have to click to the item's page to see, but it's spotted except the dots are irregularly shaped which I love. Not only can you put it to good use in a lot of neutral outfits like the ones below, but it'll definitely go with more colorful pieces. And it can be dressed up or dressed down. AND it's $18!

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Outfit 1 - Casual I paired this top with longer shorts for a casual but clean look. On the left is the outfit with neutrals to complement the neutral outfit. On the right I used orangey-reddish accessories as pops of color against the neutral outfit. One easy way to play with color is to match your shoes to your bag!
Note: Shorts come in 5" too, and they both have pretty good reviews online.
Shop Outfit #1: Top: H&M Shorts: Old Navy White Tote: H&M Black/Tan Sandals: Target Orange Bag: Dorothy Perkins Coral Sandals: Old Navy

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Outfit 2 - Dressed Up Casual I love to how boyfriend jeans look dressed up! It's a great mix of casual and dressed up, so I never feel overdressed or underdressed.
In terms of color, in Outfit 1 I talked about matching your shoes to your bag, but an even easier way to add color is to only use color in one piece. I kept the shoes neutral and used a mildly colored clutch on one side and a blue satchel on the other. You could also do the reverse and wear colored shoes with a neutral bag.
Shop Outfit #2: Top: H&M Jeans: Target Nude Heel: Target Clutch: Dorothy Perkins Wedges: Target Blue Satchel: Forever 21

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Outfit 3 - Work (or Going Out)
I found a cute neutral fit and flare skirt to pair with this top, but you could also go with a khaki colored pencil skirt.

One way to play with neutrals without being really all neutrals is to stick with colors that are kind of in the same area as your neutrals on the color wheel. For example, since this outfit has brown in it, I used tan flats that don't exactly match the skirt but are in the same color family. And then I bought in an orangey tote which isn't necessarily a neutral but doesn't deviate too far from the browns either. Even though I snuck some color in there, it doesn't look too crazy when paired with the browns.

On the right side I did the opposite and used complementary colors. With the neutral outfit being a canvas to play with lots of color, I went with berry shoes and a green clutch, which are on opposite ends of the color wheel. A neutral outfit makes a great playground to have fun with colors in small doses!

Note: These would both be great looks for work, except the clutch on the right side should be exchanged for a tote. As it currently is, you could wear it for going out if you added some gold bracelets and a necklace.

Shop Outfit #3:
Top: H&M
Skirt: Target
Tote: Dorothy Perkins
Flats: H&M
Clutch: Dorothy Perkins
Pumps: CL by Chinese Laundry via Amazon (only $27!)

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Which side do you lean towards more--pops of color or mostly neutrals? How would you experiment more to expand your comfort zone?