Matching A Tie, Without A Sport Coat

I am a college student and going out to a nice dinner that requires me to dress up. I am not wearing a sportcoat, however, I am wearing black dress pants with a navy blue dress shirt. My question is what color tie should I wear? I have a stylish blue one, a nice gold-ish looking one, and a plain black one. (Flint, MI) It's hard to escape the image of randy school boy in his shirt and tie, but there certainly are plenty of situations where wearing a jacket is unnecessary (think lab coat), even though sporting a sportcoat will finish the look. When spurning a jacket, your tie acts as an anchor and introducing a third color, like

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