While your rules may work just fine for you and your style and tastes in quiltmaking, I wouldn't put them out there in such specificity for those who are just starting to build a stash.
I think it's much better to start out with a favorite color palette (warm or cool is good) and style of fabric, buying a fairly wide selection in limited coordinating colors in all values, blenders and prints, with some neutrals added in to the mix, than it is to spread out too much in the beginning. Building a large, workable stash takes years and it's a very personal journey. Start with a strong foundation before choosing the furniture. :-D