I totally agree with everything you said (YES to both clutch wallets and corcovadoes being excellent staples) but I ESPECIALLY agree with you on this part .Havana. The shape of the bag, IMO, showcases the gorgeous buttery-soft leather to perfection. This is the bag that got me into Hayden-Harnett in the first place. It's a showstopper. However, it really only sings to me in certain colors (Saddle, Yam, Cordovan, Anthracite, Oyster). Others leave me cold (black, gray, the famous VCP! They are lovely on other people, but wouldn't be "me."). Like I said -- totally up to individual taste .
The Havana really is a very different bag depending on what color you get. I am with you on the love for Saddle, Yam, and Anthracite; not so much on the cordovan. Gray is nice, but different, and I've come around to liking the black - but again, it's a different look. I'm still having a love affair with my Yam Havana and wouldn't trade her for any other bag, ever!