@ditzydi - You definitely made the right decision not to purchase the scratched navy bag. That is quite a long scratch, and the bag should not even be for sale as new! I was able to spot the subtle burnishing on it, though, due to your excellent photography and ideal lighting in the store.
Choosing a color is difficult, because the design of the bag is lovely and so are the colors. I took a long time to decide on a color, myself. I still want one in Merlot, which is also a neutral, that can go with black or navy or gray clothing (although the brass hardware paired with gray clothing is not ideal in my opinion). I kind of also want one in my usual, preferred color-- classic black, but these are large bags, and they need a considerable amount of storage space. That said, I am sure Coach will come out with more colors for the Empire 40 in the months ahead, making choosing an additional color even more difficult. I don't think I would want an Empire 40 in a light or much lighter color, though, and I cannot wear beige or tan or honey bags with my coloring or wardrobe, no matter how pretty they are. Good luck with your decision. I don't think you can make a wrong color choice.