They aren't neccessarily "rules" but rather tips or guidelines. Obviously the bass do not read the same articles and magazines as us, we're the ones trying to figure them out after all and since they are wild, living, creatures, you can never predict what they will do and be 100% correct all of the time. This is why there really are no "rules" on what to use in order to catch bass.
With muddy water I'd go with darker colors anyways. It's easier for bass to find a dark silhouette in muddy water which is why I'd stick with something as close to black as possible, or something that gives out big vibrations like a colorado spinnerbait in muddy conditions. Pink and Chartreuse work better with slight stains IMO.