How should I choose the right shade?

Hello! All my body parts are different shades of brown My neck, chest, face, hands, arms are all different shades of brown. I’ve used my neck and chest to shade match but then my arms and hands look so dark compared. Then if I go with my arms or hands, it’s super dark compared to my neck and chest. Should I stick with matching my neck and chest? Most of the shirts I wear are regular tees or collared shirts. It barely shows my chest as to why I mention matching my arms and hands. Should I really care? My biggest thing is to not look orange since I’m neutral/cool toned. Also any recommendations for neutral cool toned foundations for oily skin??