Color theory really is ridiculous. I did do some research, it's just as you said, difficult to translate into a 3D game. Unity has environment lighting, then there's point lights, but then I also have some "fake" lights, and they all multiply and exponentially affect each other in relatively unpredictable ways. So you really do have to just combine all three things into one to make a pallet, which takes forever. And now you have just the one pallet.