Maybe we should be able to assign different colors to different windows or some difference could be designated.
Seems to me that I remember a time, maybe XP days or before, where we could actually do just that. Pick a color of choice for title bars and various other elements of the Windows OS.
I think now that I've looked closer at this issue, I've decided that their overall application of the concept of title bars with respect to color is completely crap.
Some apps in addition to the whole settings app, display this issue.
Some apps use the color I've chosen like everything is completely OK.
Some apps have their own (for lack of a better word) "Theme" and apply a color to the title bar area, regardless of what you choose.
AND
Apparently every full blown Win32 application, from File Explorer on works perfectly from what I can tell with the choice I've made for title bar color.