Point 4 is the overriding problem. I have never been able to find a color scheme that works acceptable for text on light background and for text on dark backgro

Point 4 is the overriding problem. I have never been able to find a color scheme that works acceptable for text on light background and for text on dark background. It is virtually impossible to find a good pleasing and legible color scheme that works just on text on a light background.