Guilty as charged any bay, or buckskin appy or pinto is tri coloured to me.
I have heard it all my life and if you ever talk to some of the oldtimers and use words like splash or sabino they look at you like your from mars.
I am only concerned with the colours of bay, black, grey, or chestnut if it is an Arabian.
Add buckskin, brown dun and palomino if it is anything else. Forgot Cremello or Perlino.
Pinto are overo, tobiano, or tovero IMO as they are registered.
Faceman has explained the Appy patterns but if I have any colour question I wll PM either Chillaa or NDappy and use all the proper relevant terms. Only so they don't think I am a total idiot. Shalom