Your reference photo is your guide for your piece. It's your gps, so to speak. But just as you may need to take a different route from what your gps suggests when traveling, sometimes you need to do something in your art other than what your reference photo shows, because it just doesn't look right in your piece.
I talked about that in this video.
The window frames in my photo appear pure white.
But that looked too stark in my painting. It bothered me. I mixed cerulean blue and purple, the same color I'd used for the sky, and painted very thin washes of this over the frame. My goal was to leave just a hint of the color, so that the frames would look like they were reflecting the color of the sky, but not that they were the color of the sky. I could never have felt that the painting was finished, no matter how many layers I put on it, if I'd left those frames white.
So do what feels right for your piece, not necessarily what your reference photo shows.
Painter of portraits and wildlife