so my black convertible top was pretty much ruined by the ash fallout from the Glass fire

Luckily, insurance will take care of everything. I'm wondering what the difference is between a cloth and vinyl top? Is cloth stretchier, more elastic? To be honest, I'm not 100% what I have now.
Also, this is a question of taste. The car is currently grand prix white (just a single stage) and it will be resprayed with that this winter. I've changed the interior to tan seats, black carpet and red floor mats. Looks pretty cool. Whaddaya reckon should I go with another black top as is now or maybe grab a tan one?
Thanks
Manuel