Both of those colors would go with pretty much everything, so you can't go wrong with either choice. I would be worried about color transfer on the beige claire, especially if you wear a lot of denim or dark colors, but I've seen some great products out there that remove color transfer and protect your bag. If you can take care of it then I would suggest the beige claire because it's such a pretty girly color, but if you need something that's low maintenance then you should get the navy. Good luck!