I agree with Riverkilt on one hand. Your tattoo is very personal. It's your body, etc.
On the other hand you are getting a tattoo of someting that pretty much belongs to someone else.
I would go with the monochrome and I interpret that leaflet as meaning the drawing of the crest. Background is just that. Background. I don't think the color of your skin enters into it.
If you want color I would agree that you get the clan chief's blessing.