alt Hacker NewsThere's an ever more basic rule: don't just make your text white (ANSI 37m) because you assume the terminal will have a dark background. Even white-on-black (37;40m), while usually readable, can stand out the wrong way if you assume that everyone is using dark mode.
IMO if your terminal theme does not provide high contrast for "white" text on the default or "black" backgrounds, that's for you to fix. If you want a light terminal then change the color scheme to map "black" to a bright color and "white" to a dark color while making sure that other colors have good contrast to your "black". Don't just change the default foreground and background color and expect every single color using program to fix your mess.