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I do mix navy with black. Brown can be the softer choice, or yellow, or white, or grey. Red, green can add that pop of colour to dark navy. I won't mix navy with a navy bag though, too dull for me.
I never heard this about black being wrong with navy, to me it's better than brown with navy. I prefer the "wear what you like" and forget these rules, like no black bags in summer..?? Why not??? Any way, I think orange is great with navy. Red, emerald green. Cream, white, pink. I also like black and brown together, another of those "rules"
Brown, gray and most recently I have been trying to incorporate an orange bag into the mix....looks great with navy.