Calling a colour neutral only means it will not start an argument with most other colours. Grey has almost no hue, navy has plenty, and camel is a greyed orange. They go together in different ways, which is why two neutrals can still look wrong side by side.
Colours here are typical dyed-cloth values, not reference swatches, so navy is the greyed navy of a real suit. Your own garment will differ, and so will the same colour in a different fabric.
Neither is better. They do different jobs.
A high-contrast neutral sits at the far end of the lightness range, so it stands apart from most things it touches. A soft neutral sits in the middle, so it blends. Neither is better: a high-contrast pair looks crisp and formal, a soft pair looks calm, and an outfit usually needs at least one clear step in lightness to keep its shape.