I don't think I've ever used tried to match threads with my embroidery machine. I use a very fine white poly bobbin thread for just about everything, I tighten up the bobbin tension so that it pulls the needle thread to the back of the design.
I you are doing a pattern that will show on both sides as in dish towels, I like the old fashioned DOW patterns with lots of bright colors, you will want the back to look like the front as much as possible. Of course if you are doing a pattern that will not be seen from both sides it does not matter. Bottom line is very economical for all kinds of sewing, the fine thread goes a very long way Bobbins go on forever, and if you are doing hand appliqué it just disappear into the design. I buy large cones of the neutral stuff but have small spools of the colors, enough to give me a great range of choice. I also like fine line from superior and it is great for quilting where you want a bit of color on both sides of the quilt. I don't want to limit myself in quilt patterns, or fabric so why would I limit myself with thread. I have lots of kinds, and colors.....makes it interesting to plan the quilting part of the quilt.