Jeff, I think you're being too hard on yourself. . . and maybe getting yourself psyched out. This is very nicely done.
I can't tell from your post whether you've made a lot of monochromatic starts like this and given up without feeling able to go further, or whether you've actually tried with color and been frustrated there? If it helps, start with a very limited palette like Alan suggested, but go ahead and jump in with the color!
Good Luck! (maybe sharing one of your color efforts in WIP would get you some help over whatever's getting you frustrated?)
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