I'm a traditionalist myself, but given that it sounds like you don't splurge often you might want to consider colors that you will be able to live with for a while. Since you have a chestnut I would stay away from "warm" colors like red (but that's just me).
2 braver combos that I like are:
Navy pad with kelly green trim & white piping (or vice-versa with the green & white).
Navy pad with light blue trim & white piping (kind of like this helmet cover).
Navy pad with orange trim & white piping (but this could be tough on a chestnut).
On this page I am essentially talking about combos 6, 9 & 12.
"We can judge the heart of a man by his treatment of animals" Immanuel Kant