So starting out with traditional mediums I have always struggled with the color palette on most of the digital paint programs we use today. I think they're great as far "picking" colors but in reference to working with real paint vs digital there isn't a real structure on selecting and mixing. For instance you wouldn't use solid black for traditional paintings or mix white in with your paint to lighten a color, you would use other colors to mix to get better results. I wont get into color mixing, you can find a wealth of information on this on the net.
The point I'm trying to make is color picking has always been kind of a pain for me, even if using a digital color palette with dabs of colors on a separate file it just isn't the same. I did some image searches for color palettes and found an image on a color palette of real paint and thought why not just use that as a color palette instead of trying to build a digital color palette based on it. I've been testing it and it actually works quite well for me because the natural light on the paint also provides an added bonus of highlights and darks for that color.
This works really well with programs like Painter and Artrage that "mimic" the color blending and mixing too. I know this isn't groundbreaking but I'm not sure why I haven't done this before.
If you're interested in trying the same image as a color palette I found it from the following blog.
[link] 
`anmari has been spreading her infectious positivity throughout our community for over 6 years. Throughout this time Ana has been at the core of all things devious, passionately developing an eclectic gallery, helping organise devmeets, participating in chat events and also recently completed dedicating her time as a Community Volunteer. We are absolutely delighted to bestow the Deviousness Award for May 2013 to `anmari, congratulations! Read More
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I also read an article recently about an artist who was frustrated with color mixing for the same reasons I was. He says that we are given, as we take classes or learn from fellow artists, these very important terms - tint, shade, chroma, luminance, and so on. We study the almighty color wheel. Then we don't use them outside of class. Art instructors tell us "this needs to be warmer" or "that needs to be cooler." I... personally don't understand what that means. In theory, yes, red, yellow, and orange are warmer than blue, green, and purple. But then we start splitting hairs with "warm yellow" and "cool yellow." I understand it intellectually, but it doesn't seem instinctive. Colors - ESPECIALLY rgb - work by combinations. So it is more helpful to tell someone "This would benefit from more green" than "this needs to be cooler." His solution was to paint in greyscale first, and then match the luminance of the grey with colors. He found a company that gave numerical values to its paints instead of arbitrary names like "beer yellow" and "coffee brown". Thinking about it in the terms we were taught is helpful to me. And seeing it laid out with those pigments is also really clever.
I've worked with artists that wouldn't even apply the sketch without them researching,studying and planning every single detail about the piece. They'd freak out when they saw me just take a large brush and start slapping paint on and sketched with the paintbrush. There is no such thing as an end all be all solution for your creativity. Take the good with the bad but never let others stunt your growth by what they think is the path you should take, only you can be the judge of that.