Thanks for going in to detail there
g-force2k2..

I'm still very much learning the ins and outs of PHP myself.
On a side note, I think this mod could do with a little updating for RC3. The code has changed somewhat in the modifyoptions template, for example each table is now collapsable.
Here's how I did it..
Code:
<!-- vb3 User Color Hack v1.0 - Copyright g-force2k2 2004 //-->
<table class="tborder" cellpadding="$stylevar[cellpadding]" cellspacing="$stylevar[cellspacing]" border="0" width="100%" align="center">
<thead>
<tr>
<td class="thead">
<a style="float:$stylevar[right]" href="#top" onclick="return toggle_collapse('uopt_fcolor')"><img id="collapseimg_uopt_fcolor" src="$stylevar[imgdir_button]/collapse_thead$vbcollapse[collapseimg_uopt_fcolor].gif" alt="" border="0" /></a>
$vbphrase[font_color_options]
</td>
</tr>
</thead>
<tbody id="collapseobj_uopt_fcolor" style="$vbcollapse[collapseobj_uopt_fcolor]">
<tr>
<td class="panelsurround" align="center">
<div class="panel" id="collapseobj_uopt_fcolor" style="$vbcollapse[collapseobj_uopt_fcolor]">
<div style="width:$stylevar[formwidth_usercp]" align="$stylevar[left]">
<fieldset class="fieldset">
<legend><label for="sel_show_color">$vbphrase[use_font_color_title]</label></legend>
<table cellpadding="0" cellspacing="$stylevar[formspacer]" border="0" width="100%">
<tr>
<td>$vbphrase[use_font_color_desc]</td>
</tr>
<tr>
<td><label for="sel_show_color"><input type="text" name="fontcolor" value="$bbuserinfo[fontcolor]" size="10" id="sel_show_color" /></label></td>
</tr>
<tr>
</table>
</fieldset>
<fieldset class="fieldset">
<legend><label for="sel_override_color">$vbphrase[font_color_override_title]</label></legend>
<table cellpadding="0" cellspacing="$stylevar[formspacer]" border="0" width="100%">
<tr>
<td>$vbphrase[font_color_override_desc]</td>
</tr>
<tr>
<td><label for="sel_override_color"><input type="checkbox" name="options[overridecolor]" value="1" id="sel_override_color" $checked[overridecolor] /> $vbphrase[font_color_override_opt]</label></td>
</tr>
</table>
</fieldset>
</div>
</div>
</td>
</tr>
</tbody>
</table>
<br />
<!-- vb3 User Color Hack v1.0 - Copyright g-force2k2 2004 //-->