Footwear Crisis

I’m at a footwear crisis. I understand wearing oxfords with a suit. However for a dressed up casual shoe I cannot wrap my head around derbies or loafers. To me they’re more formal than I’m going for. Think slacks and a tucked in polo, or slacks and a flannel, slacks and a button down shirt. So I thought what about a classic plain white shoe but in a non-white color like brown. I need direction cause I feel lost.
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