I've been there...  only it's usually not that the floss clashes with the fabric... for me, it's usually that one of the floss colors disappears.  but I've found that the more I doubt, if I keep going, the better it looks when it's done.  The color that clashed on the fabric - how much of it was going to be on the outside edge actually touching the fabric once the design was done?

Vanessa

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Mira UFOs: White Christmas (color conversion), Rose of Sharon (over 1), Autumn Maiden (from Maidens II), Athena, Poppy (over 1), and 2007 Christmas Tree, Angel of the New Dawn, Ella,Spring Topiary Fairy (left side).