I agree. I'm a little disappointed with how these were implemented. I don't really care for using the banners on the shields and I never was a fan of things that limit texture pack options (like hard coding colors); I guess that means we have to get a bit creative or just live with it. Well, at least it's a nice thought from Mojang -- more customizability of the shields with banner designs.
Hopefully, they lift the limitations of the banner-shield designs later in the snapshots as it seems like they pushed out the shields pretty quickly.
In any case, I do like what you've textured so far, Dan!
I guess I'm lucky since I never plan to use the banners to decorate my shields and don't really care for PVP; I'll be rolling with the Hylian shield 
Sorry, it's not very Doku-lized since it's for my own stuff.
Perhaps an alternative option might be to disable the banner designs entirely and take inspiration from the Roman Scutum shields like those seen below. I dunno, just a thought!
Edit: Looks like personally the Scutum will have to be an option for me if the Devs don't change how the shield textures have been implemented, since I don't think there's a way to texture the depth and back of the Hylian shield (unless I learn how to model in MC lol. Dangit! I worked so hard on that).
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This guy stole Handsome_Dans Doku Rpg bed textures without credit
http://www.minecraftforum.net/forums/mapping-and-modding/resource-packs/2403322-dokus-rpg-rebirth-1-8-remake
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Also The Second and third one looks Great Im okay with both colours
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