If you are just starting you do NOT have to do what I did and make a ton you could do like
[[ie. (3 and 2) or like (5 and 5) as the minimum for the Three Palette and Five Palette respectively]<<

Time Spent : (For like the first 10 of both types) +1 hour 30 minutes
( The rest was an extra hour and a half just from experimenting and having fun)
Total time ?+3 hours?

You can tell when I got interested in SHIFTING HUES and started to experiment

But like Jason said Always start with the BASE color. if you get lost with where you're going, just use the Color Pick tool back on your BASE color then retry the SHADE/HIGHLIGHT you were going for

If you are having trouble thinking of just picking colors in general look around you what has a solid color? how is the light effecting it? what color is coming from the shadow?
and then when you get into SHIFTING HUES think about what is the color of your light? have you used those LED lights before and how they can change the entire color of the room and suddenly an object looks totally different
sometimes the sky will change in hue depending on the time of day, sunsets, sunrise, natural disasters, man made pollution and so on.

Once again I am not an expert on this I'm just applying what I know about environment and life experience I never knew how color stuff worked and
my colors might look funny but I had a blast doing this one and I learned a TOOONNN

tl;dr haha funny curve go brrr