You lucky girl, you have a beautiful face, and a great face to accentuate with make up! It's funny that a lot of us got the same immediate thought when seeing your picture: smokey eye. That was the first thing I thought of too! I have the same kind of skin tone as you and when I do my smokey eye I do the crease less look everyone is suggesting for you and my color of choice is Dark Soul pigment. If you don't want to buy the whole bottle, you can get lots of pigment samples online just about anywhere nowadays lol. Pretty much its just a really smokey charcoal black with some gold flecks in it and it looks really nice with my brown eyes, and I am assuming it would look just as nice on you. Really though, any dark grey/black color will do but I prefer to not go all the way black black on my whole eye. Also, you would look very nice with a darker lip. I also think a wine lip would look very pretty on you, but I would love to see you in a red. Some suggestions from me are Viva Glam I, Resolutely Red, and Chili. If you wanted to ease into that color, I would say go for the Resolutely Red, as I believe that is a lustre so the color goes on more sheer. And there are always the lipglasses, which is how I got used to different colors on my lips. Off the top of my head the only red I can think of is Russian Red, which I think would look lovely on you. As you said, it is pretty clear that you stay on the safe side (lol) and thats fine, but for those days you want to dress up, you need some intensity, your face is made for it. Like Tish was saying, do not be afraid of intense colors, I can't think of one that wouldnt work on you, Another thing you could do is what I do to ease into bright colors. I do my eyeliner on the top lashline and the waterline, but then I add a bright color to my lower lashline like a bright blue or lime green. That way Im getting used to seeing it on my eye, and it is less intimidating if I want to go for a bolder look.
On a lighter note (literally), if you want to keep it simple, I would just suggest using a good mascara and some lash curlers. I have short black lashes and my FAAAAAVVVOORIITE HG mascara is Imju Fibrewig. You can find it at Sephora and it has fibers that make your lashes look longer and it is way easy to clean up. I love MAC and most of their products but when it comes to mascara, its just not doing it for me. The only other thing I would say is use a little highlighter to bring out your pretty cheekbones and a nice warm blush. If you can find it, I like the Brunette MSF. It has an amazing highlighter on one side and I love the way it makes my cheekbones look. Well, I guess thats it for now so I hope I could give you some ideas!
EDIT: Oh, one more thing. If you want to look at some video tutorials, I looove this girl! She does very intense looks and seems to have the same complexion and eyes going on as you so it could give you some ideas, or show you exactly how many colors can work with you!
YouTube - QueenofBlendingMUA's Channel