Nice topic you've brought up here- I usually use aquatic/dim grey colours and the default fonts, don't make anything too fancy. I use:
Gainsboro or SlateGrey
I use this colour for just about everything, and I use this colour for highlighting names and whatnot although it doesn't really relate much to my personality; but it does have a few similarities to my love for the aquatic life (hence Shurtle).
Other times, I'll use the colour Red as a sort of "warning" type of text- but it's very rare I'd use this. I'll also use this colour to say if my presets/drawings requests are closed. If they're open, I'd use Green.