I don't really care if my polish matches my outfit. I choose a pretty color, usually I keep it in the red or pink family, and find it goes with everything. I'm not going to wear yellow nail polish just because I am wearing a yellow shirt, for example, or slime green because my blouse is green, yuck (sorry if you find slime green to be attractive on nails, LOL).
If I don't feel I am going to have time to do upkeep on my polish, I choose a very soft pink or clear coat, so no one will notice when it starts to chip. I never have and never will wear acrylics. I tried the gel thing and it ruined my natural nails, so it's not for me, I have otherwise very strong nails that can grow over an inch and not crack or break.
I am not big into nail art, but I did get some silver glitter accents for the holidays, that was the only time I had any sort of art on my nails. Once the red base started to chip, I got rid of the art and the base color with a cotton ball and nail polish remover and went to my typical, no-fuss, neat, polish-free nails. My toes are a different matter, I choose whatever color I am in the mood for -- dark purple, lilac, blue, candy red...