Considering your location and how hot black gets in the sun, I vote reverse. But you'd look great in black tie riding a black bike! A smooth operator picking up your date for the prom in style. She gets to ride on the rack holding her white roses.
Originally, I planned on the regular scheme.
Then I found a picture of the reverse scheme. I immediately was taken with it. I have pretty much decided on the reverse. Definitely not something you see every day. My plan is to use a Chrysler color called Cool Vanilla. It's definitely not too white, just a nice creamy color.
It's always good to get other opinions.