My absolute favorite color combination is a background with RGB 20/20/20 (near black) and a foreground with RGB 128/128/128 (silver). This is just the right amount of contrast for viewing the same page for long periods of time. I use this in all my text editors and programming IDEs as well.
Also realize that color alone is not going to paint the full picture. You also need to keep font size and type, spacing, and margins in mind. There's a great article about this at Lighthouse International.
You can use the dated but still quite useful Vischeck tool to see what your web pages look like to users with various types of color blindness.
When you are designing your web site, please, please think of Jackie, Michael, Bill, Lillian, and Marcus.