Please share this code.
In all seriousness, I generally just pick a few colors that I like the looks of, and worry little about what is the Right color. My own mood, or my perception of what might have contrast in the water, or even what I observed in the color of a crawfish or bait fish swimming by has more influence than a hard and fast rule like the water is [stained, muddy, clear, pea soup] so I must throw [black, blue, watermelon, chartreuse].