I know the exact terra cotta color you're talking about. I was actually thinking of having that color when my wedding was planned for October/2010. I don't think that's a 'girly' color at all. But if you really don't like the idea of seeing the guys in it, then champagne would be equally nice. My October wedding colors were going to be that terra cotta or copper along with chocolate. But I think chocolate is too rich of a color for August. I personally don't think that the vests have to match the dresses. If the two colors look nice together, then go for it.