"especially as newer monitors can be very bright. "
There should be options in your monitors OSD to reduce brightness and contrast, or to use another colour profile such as sRGB.
Some monitors also have a blue light filter that works similarly to Windows Night Light.
But yeah! Many of us have wondered why MS has significantly reduced the user configuration\personalisation options with Win10.
I used to use a light blue\grey on XP and Win7. There is a lot about the Win10 UI not to like.
Win10 has ushered in a new level of MS playing at Big Brother knows best.