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aerolite.msstyles ---> Apparently something familiar from Windows 7, honestly not to sure if its exactly the same as Windows 7 Aero Lite But doesn't matter for our case. The only thing that matters is that these are kept in a different repository C:\Windows\Resources\Ease of Access Themes, have boatloads of color settings defined in the .theme files and text / etc RESPONDS to these settings!!
SO: to change the text, I found it easiest to create a new .theme file out of the color settings from one of the high contrast files, and the majority of the aero.theme file. Going through and comparing the two as I went, and rectifying anything that seemed wrong. Then, simply go through and define your color settings as you see fit.
(NOTE: I didn't have a ready to hand windows 7 theme to grab and compare. it is possible that a favorite windows 7 theme can simply donate its color settings into a modified aero.theme or hc1,hc2,hcwhite.theme.
If taking aero.theme ---> change aero.msstyles ref to aerolite.msstyles
If going from hcwhite.theme file, probably a good idea to change the highcontrast=1 to highcontrast=0, and please for the love of Pete change the colors of the rest of the crap. (this seemed to be simplest)
NOTE 2...
I really only started working on this tonight. I was upset by the fact that I couldn't have white text. SO at this point there is one Caveat to this process. For some reason, Windows explorer (computer) windows, seem to keep their text black. However, in HCWHITE.THEME it is in fact white as it should be. I am working on this on my end, but if someone with more knowledge knows of a difference between that title text, and the other windows title text... let me know.
Hope this helps.