This thread has taken so many twists and turns that it has nearly tied a knot in itself.
I do like simple. Solid has NO white. Any white hair (other than double dilute which really isn't white) is the result of one or more Pinto genes (I would make an exception for Roan or Gray). Horses that express only minimal white in stockings or face white are simply that, minnimally expressed Pintos (similar to the minimal Tobiano I posted earlier). That may carry for generations until enough different genes get together to produce more visible white. Different genes (ie. Tobiano, Splash, LWO, SB1, 2, 3, etc.) may encourage or restrict white on different areas of the body. Combinations of genes may cause difficulty in determining which is present and which is not.
How much more simple can you get and still be accurate?