Hi... funny, but I just both. I bought the new orange and the black with GHW. I love the orange, and yes, you can wear it year round. Plus, because it is orange and a unique color, you don't have to worry about matching it with outfits since the bag speaks for itself (unlike, say, a red bag which you really can't wear with everything).
I love the orange, and it is limited color, so when it's gone, it's gone. I have worn both the orange and black, and the orange is definitely more striking. My husband loves the orange.
On the black, I bought it because it was a classic and because the price is going to increase and I knew eventually I'd end up getting a black, so better get it now than after a 20% hike. You are right in that it is safe... safe and boring to a certain extent, but nevertheless, and classic. It is really elegant looking, but again, it is a black bag.
If you are not afraid to wear color, I would get the orange, because it really pops and it is a limited color for this season. Then, perhaps you can get the black later. The black and beige are always available.
But... if this is going to be your one and only Chanel ever and you are worried about color, then I would go with the black. You can wear it anywhere.
I hope this was helpful.