Title bars color in Finder & Apps in Monterey, ability to change?

I just upgraded to Monterey & if Light Mode is selected, which I prefer, the Title bars in Finder windows & Apps are White instead of Gray like they used to be, as is the sidebar in Finder.

I looked around for & tried all kinds of different things/options in System Prefs & found a couple of settings that provide a little change for what I'm looking for, both under Accessibility > Display...

1. Reduce transparency - by checking this box, it actually eliminated the transparency of the Menu Bar & made it solid medium gray, which is exactly what I wanted & prefer, it also got rid of the transparency/opaqueness of the Finder sidebar, however, the Finder sidebar & Title bar are still a very light gray or white, without much contrast when it's the selected window.
2. Increase contrast - when this box is checked buttons, panes in the same window & tabs get a black or very dark gray outline, which is not at all what I'm looking for or prefer, nor does it actually change/increase the contrast, all that does is outline things which assists in viewability...does nothing for contrast (color) which is misleading, that selection should actually be called Increased or Enhance(d) Viewability...THIS DOES NOTHING TO CHANGE THE CONTRAST AS IT RELATES TO COLOR/SHADE...

The Accent & Highlight color options in the General section in Prefs are great, WHY are those the ONLY 2 GUI window items that can change ?...WHY...it's not hard to add a few more window related items to that list with the ability to change between 8-10 colors, when the base/core is already there...

I'm sure that would be a lot more useful to more users, & long time users at that, than a bunch of other ridiculous things...for instance what does "Allow wallpaper tinting in windows" actually do?, from what I can tell, very very little, it took me awhile to even notice anything until I changed (selected/deselected) some other settings, it's ridiculous..

The wallpaper is a background image, I don't particularly want or care to see that translucency/transparency while I'm working in a window that needs to be or I prefer to be a solid background with the different sections/panes of the window, like a titlebar, sidebar or menubar that contain settings &/or working tools, distinguishable by being a darker shade of gray, etc...

Dark mode is fine if that's your thing, but not everybody prefers that extreme contrasting style & look for everything...

Does anybody know of a work around or any way to possibly help me achieve my goal

Thanks in advance