First Penny Loafer

Hey everyone, I'm looking to branch out in my shoes beyond the chukkas I wear every day, and am going to get my first pair of loafers. My question is, would a darker brown like #8 chromexcel or tobacco calf or a lighter brown like chestnut calf be better as far as versatility? Is the darker brown too formal for more casual outfits?

References, both from Grant Stone:

Dark brown
https://www.grantstoneshoes.com/products/traveler-penny-color-8-chromexcel

https://www.grantstoneshoes.com/products/traveler-penny-tobacco-calf

Light brown
https://www.grantstoneshoes.com/products/traveler-penny-chestnut-calf

Thanks!
Grant Stone
Our penny loafer was created with two things in mind: versatility and comfort. It's the ultimate shoe for travel, given the ability to be paired with a sport coat or t-shirt and almost anything in between. We find ourselves wearing this shoe year-round—sockless with shorts/lightweight fabrics in the summer and with woo
Grant Stone
This calf penny loafer is our rendition of a dressier slip-on. This Italian Baby Calf is a vegetable-tanned leather with a higher sheen. It is very transparent, which allows profound highs and lows. It also means that any natural traits, such as growth marks, are visible. These should not be considered defects but mere
Grant Stone
The Traveler loafer was created with two things in mind: versatility and comfort. It's the ultimate shoe for travel, given the ability to be paired with a sport coat or t-shirt and almost anything in between. We find ourselves wearing this shoe year-round—sockless with shorts/lightweight fabrics in the summer and with
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