We have SW moderate white trim with whole wheat. I love it. Really gives a warm feel. Our windows are white and I put up white wood blinds. Next to ceiling our crown blends in. If you stare at it you will see the difference but not noticeable. I can send you some pictures against my white windows and ceiling.

I completely agree on outlawing ceiling white. We only have 8 ft ceilings and the architect suggested using the same color on walls, trim and ceiling. He thinks that look "lifts" the ceiling. Not sure how I feel about this. Part of my hesitation is that I haven't found a color that I think will work. I do like Revere Pewter a lot, however the house doesn't have a lot of natural light so I'm scared of getting too dark with my paint choices. My furniture is a combo of transitional and some antique wood pieces that have been passed down to me. I like bolder patterns on accent chairs and pillows so I want to keep the wall paint neutral. Floors are a dark hardwood.

Beige vinyl is often a huge upgrade - there are a lot of people who would like to have your color issue! :) You can absolutely do white trim with the beige windows. If you think about it's really no different than if the windows were wood. Wood windows and white trim work out perfectly fine and so with the beige/white combination. Exterior is a lil different. White house trim with beige windows isn't always the cutest look. If you want light trim exterior, all you have to do is select a lighter version of the beige on the windows. You can go so light that it almost look white but the harmony is still detectable.

What's "creamy" to one is yellow or tan to another! Or even too white! I wish I could suggest a specific color but I really can't. Even though I probably have about 200 different chips of varying degrees of "off-white". I'm not familiar with the wall colors you have except I strongly considered Laura Ashley gold 2 for my bedroom. I recall that it is a complex, muted yellow/tan with green undertone. A really beautiful color. I assume that gold 4 is the same but deeper. I was amazed to see how a trim color can bring out the undertone in the wall or play it down; make the gold look either very green or more yellow or even dirty. So focus first on what undertones you need in your trim color. You already know you don't want blue, gray, pink/peach. You need some yellow but there are so many degrees of it. Take your wall paint chips to the color displays and hold them up--you will easily see which groupings of tones/shades don't work and you will be able to narrow down to the right family pretty easily. Wish I'd done that early on! You might also try taking your paint chips to Home Depot to use their scanner that will analyze your color & suggest coordinating colors from their line. That can at least get you started & when you start to see which tones are appealing to you the most when paired with your walls, you can take those chips with you to Lowes or elsewhere to look for the "just right" selection. Also, if you find a paint chip that has just the right tones but is just too light/white, (or the opposite, like if you wanted to use gold 4 but a lighter version of it) you can ask them to mix it with 150-200% of the colorant. Or cut it in half. I've done this with good success. All that said, I've just done the upstairs hall trim in Behr Navajo White, which to my eye when looked at alone is a creamy, muted yellow-- but looks great (and not yellow) with the several colors it needed to play with. And it took me many visits to paint stores, and many chips on the walls, to settle on my choice, but I don't regret the time I took now. Neither will you! Good luck!