Hi Claire,
I think all the other replies pretty much say it! I just had a look and can see what they mean about the navigation. You could indeed miss it altogether. As to colour, well that's personal preference - but this is a bit loud if I'm honest! Mine is white on black, which I happen to love, but not everyone does. Having said that, only once have I been told it was a bit hard to read.
If you are going to start again, have a look at
www.mrsite.com. I did my 17-page site for £23 and a few evening's hard slog!
Hope that helps.
Cheers,
Gill