Ebjack had a pretty thorough explanation of color and you had some good guidelines in your initial question.Color is usually the least important variable to cat ching fish.Presentation,depth and speed is more important.Most of good fisherman have their go to colors they start with and change them as they fish.When you start ,you want to be covering the water column.I will usually have more lines covering the depth I think will catch fish based on time of year,depth of water and marks on sonar.Colors are ones that have worked good for me in past or info get over radio or reading recent threads.You can go crazy thinking of all the colors you can use,especially with the cranks.Early in the season,with unstable weather and dirty water,fish are in a neutral or negative bite mood.This is where you read of guys only catching fish on a particular type and color crank.When fish are in a positive bite mood color is not as important.