My idea would be a basic white with HOC candy tangerine (love this color) on a silver base. Use silver/titanium, black and maybe a purple or bright lime green, all in metallic, as accent stripes. I want to do a day cruiser I'm building in similar colors, but wife doesn't like any orange. As far as rub rail vs cap, I like the look of a cap but if your mom and sister are like most of us and don't drive it like a show piece, I'd do a rub rail. Custom paint jobs are normally a bitch to repair and look like shit if the are all chipped up.