How important is matching, to you?
Very very important is my default mode. Like Maja, I often find myself with my face practically pressed against the screen, scrutinizing minute imperfections of shade.
Should 'realistic' avatars be subject to matching?
Yes and no. To me, a good realistic avatar should have colors that complement each other, and that frequently means a bit of matching - but much more subtle, like picking up the purple specks in one of the floral print dresses or something. However, what really makes a realistic avatar pop is when there's that one non-matching item that nevertheless looks great.
If you post on avatar rating boards, do you rate based on matching and/or overall theme?
When I critique other avatars (both in my head and formally), both theme and color are important issues -- but if I'm helping someone learn, I focus on color first, and theme second, because I think the latter is much harder to learn to do well. I only ever adore avatars that manage both, though: just color is boring/overdone; just theme neglects fashion.
How careful are you about matching 'whites' and 'blacks'?
I'm normally extremely diligent, particularly with whites. I make a point to distinguish between blue-white, gray-white, off-white, true white, ivory, beige, and cream...and don't even get me started on distinctions like gray-blue-white and light cream vs. light beige. Blacks are a little easier, I guess because there aren't as many possible categories (true black, blue-black, black-blue, and light and dark gray-black). If I have more than shade of black or white in an avatar, you can bet I've matched -- or at least tried to match! -- them individually.
Do you feel too much emphasis has been put on matching colours?
No. Or, well, only when people think that matching colors is the only thing that matters.
Any pet-peeves about colour-matching?
Unmatched whites. Unmatched reds also seem to be a big offender. (I came THIS close to deleting one of mine when I noticed a bracelet I'd included was the wrong shade!) Also, color matching at the cost of silhouette.
Other thoughts
Interestingly enough, color balance has become much less important to me over time -- or at least the way I balance has changed. This is due in part to popularity of gradient avatars: even though I've never made one, and see far more than I'd like to, they nevertheless made me see a possible different way of distributing color. For me the other factor is the growing emphasis on a streamlined or even simple/understated look -- no longer should an item that doesn't fit the theme and/or silhouette be added just for the sake of color.