You might check out Alex Anderson's book "Neutral Essentials", maybe see if your library has it. THAT should give you a lot of inspiration! One thing I definitely learned from that book - you HAVE to have white in a neutral quilt to make it sparkle. Alex shows an example of 2 neutral tops, one with white and one without. It does make a difference. Anyway, I highly recommend you look at her book.
http://www.amazon.com/Neutral-Essent...5149516&sr=8-6