>>4952145Pretty much everything depends on your style.
1) I never bothered learning what light the terms are but I almost always fill my ambient reflected light colour or some other colour that I think will look interesting in it. One of the tips I learned from mullins or some other artist was that if your shadow is say, blue and you want to go to, say, yellow but yeah I seem to remember them saying what you want is actually for it to go grey and not to go directly yellow as the change or whatever as the change will be big.
2) I colour it depending on the feel of the piece. If the person is depressed or despondent, I use blue or cyan/green and if I want a warm feel I'll use white or yellow or orange and if I want apocalyptic I always use red or pink. Depending on your drawing application, you might not even need to give much of a shit with what colour you start out with. For example, PS is filled to the brim with cheats like if I colour all the light yellow and suddenly need the light to be blue I can just decrease the amount of yellow in the scene and replace it with blue.
The real answer is you only need to know what it should exactly look like when it's realism and if it's that trying to paint without refs is basically suicide sooooo
And the real real answer is that 3d applications know so if you need uber super realism you can set the HDRI to whatever colour you want your ambients to be, set the material and set the light colour and sit and wait for it to tell you what colour you should make your thing.