I have a black saddle pad that looks really nice on him with his brown saddle but I'm hoping to find a nice colour for a browband ( his bridle is brown to so I'm worried having black on a brown bridle would look funny! Haha )Almost any color works on a bay. Contrast will make something stand out vs. a color that is the same chroma (like Navy). With a dark horse, a lighter color will pop, or go with the same color of the horse if you want to down-play your tack. OR you can Google photos of Bays until you find something that you think is nice and go with that theme.
I don't see why not, if you rock it with confidence!I love the colour but would it go well with brown tack?