A practical question about outfit colors

I have been browsing resale listings for an everyday jacket and keep hesitating between colors that might serve different purposes. Fit seems manageable with careful measurements; color is less clear when every seller photographs the jacket in a different room. The limited return options make me cautious, especially when a cheap jacket could still become an expensive unworn purchase. The jacket needs to suit both jeans and charcoal trousers, since those are the pieces I actually use each week. I found a page about color analysis and would like to use the idea as a starting point for these comparisons. A well-styled listing can make almost any shade tempting, but I want to judge its usefulness with my own clothes. Is a daylight photo with a white object nearby helpful for comparing shades, or would you avoid relying on that? Seeing the jacket locally would let me compare it with a top I already wear, instead of relying entirely on photographs. I would appreciate a short decision process for comparing jacket colors once condition, measurements, and price have passed the initial checks.