Hey Cub Junkie, I agree with your preference for a stock scheme.
When I look at an aircraft, any aircraft, my eye seems to prefer the expected proportions that my mind expects to come with the stock scheme.
I also don't care much for the J3 lightning bolt and yellow scheme on anything but a J3.
However, it sure is visible, and Mark Drath has it right about frost staying on a white surface all day compared to a darker color helping to shed it within maybe 15 minutes of the sun hitting it.
Visibility is certainly an issue, even in the backcountry.
I suggest you find a nice quartering photo of a Cub and make it black and white. Make a bunch of copies and design a scheme you like. Back to crayons and magic markers. You may come up with something you like that still looks somewhat stock.
I'm refurbishing my old PA-11 for my wife and she likes Cub yellow with the lightning bolt. I've designed some more colorful schemes that don't go too far from the stock, but make it my own.
There's an 18 and also a 12 around here that are all black. They look great. I wouldn't have thought it, but they do. However, not visible unless silhoueted against snow or sky.
Have fun, Dave Calkins.