My personal choice would be Dove or Wood. The Mother of Pearl is pretty stark white in a way, which is fine if that is what you are looking for.
The Dove is a perfect, creamy cafe au lait, taupe-beige. Wood is a rich, warm tan. If you generally wear warm neutrals, I would go with Wood, but if you tend to lean towards cool-tone neutral clothing, I would go with Dove. But then again if you wear a lot of bright, jewel colors, or just want a white-ish bag for spring/summer, perhaps Mother of Pearl would be a great option! Hope I didn't even make it more confusing!