Cat, That makes a whole lot of sense... so a "brown" horse would be the same shade of brown as a traditional bay and/or dark bay, only there would be -no- black points... just brown all the way through. Very interesting!
TwilightArabians, I meant to say this a few posts ago but I forgot, lol. The first few pictures of horses you posted were very obviously bay to me... the tell tale brown around the bellies, etc.. the reason I am having such a hard time telling with Charity is because she had a very poor nutrition from her first home/breeder, which apparently lends to the fading out of black horses. The horse you posted after them was very very black, and that's more what Charity looks like in person.
I just came in from giving Charity a bath (Yay for nice weather!!) and had trouble locating her stocking again... BUT.. when I was going over her with the brush after she dried, there are select shorthair spots on her (from shedding out and from hair growing back from the rain rot) and it is appears very, very black. I guess the last oddball thing is the dorsal stripe... which probably makes her a bay, lol.
I'm still thinking very seriously about getting her tested just for my own peace of mind.. plus, its just one more thing to have in her files =)