For the fireplace inserts go ahead and do the green order a second set of panels that you store that are more neutral. In 10 years or five years you may not like the green anymore. It's possible you won't have access to different colored panels at that time. As for the color I like the ideas of going into those silvers it would coordinate very well with your blue couch and it will pull the blues out of the curtain panels. For the wall coloring use the warm golden color in the drape. There is one piece of the flower that has this color and it will balance the weight of a dark couch. If your room is small don't go too dark in this color. You could use it on the main wall and pick two shades lighter on the other three walls.

Now for Mr 16 months... I really can't decide. His room is going to be on the cold side of the house, with not so much sun so I want it to get that cozy sort of feeling when you come into it. I was thinking yellow or orange curtains? But then I don't know what colour to do the walls. These are some fabrics I like:

We are planning to use a dark taupe on one side of the lounge (left wall as seen in plan), and the same dark taupe in each of the bedrooms (1 side only, wall behind bed). Is this a good idea or would u prefer using a diff colour for bedrooms? Thanks

I think you'll need to do the doors white as well. Otherwise the dirty cream will look even dirtier.