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Skip the theme unless it is something that really means something to you as a couple. We had a wine theme, but that is because our first date was at a wine bar, we attend a lot of wine tastings together and it has become a shared hobby of sorts. We got married at a vineyard so it all just "fit" for us. Our wedding invitations were shaped like wine bottles, our centerpieces were flower arrangements with a personalized wine bottle with a wrough iron candelabra in the center, our cake was decorated with fondant grapes and vines and sat on wooden wine crates, our tables were named after different wine varietals and our favors were sets of wine cork coasters wrapped in a purple ribbon (our color).
Summer is easy...just find a color you love and go with it.
Some color schemes are harder to pull off than others. Black & white, red&black, and pink&black are TOUGHIES. I mean, I don't think I have ever seen it pulled off well, although I'm sure it has been. I prefer bright colors for summer affairs, personally.
I have found that my venue has helped to set a theme just as much as my own tastes have. If you have a color or two you like then start there. Once you find a venue you can look to it and the surrounding area for further inspiration. For me, my ceremony and cocktails are outside with the reception inside. My venue has green trees and is surrounded by a farm, so I am using more of a "garden theme" to tie everything together.
We don't have a 'theme' really, just colours - black & red.
When I think of summer I think of bright colours. But really you can do whatever colours you like.
My two cents - the trouble with themes is that they seem better suited to children's birthday parties than weddings. I like the idea mentioned above about using a beloved painting as inspiration. It's when the line is crossed from inspiration to overkill that it loses the appeal for me. For example, a nautical theme can be cute, if it fits your venue, but when every single thing must be nautical, it looks too contrived.