since you already have a black -- my vote is for beige with GHW.
i already have a black jumbo SHW and am eyeing a beige with GHW (however, i'm going for the caviar). I think a beige with GHW would be more classic/upscale and a totally different look from my black.
as for color transfer...i haven't experienced it. I hear a lot about color transfer and I have a light grey lambskin, which I was warned of possible color transfer by the SAT -- but after a year, I don't see any. I wear a lot of dark knits and maybe it's the knits that don't transfer......
best of luck, you can't go wrong with any choice!