I don't use blue because I'm lazy, Helen. (That is, I AM lazy, but that has nothing to do with this!) I use blue most often simply because it's my favorite color. Occasionally I slip off and use the others, for varying reasons. If I use red it's usually to call attention to something.

I have been a little afraid of doing this for fear of being chastised for promoting a commercial site, but I'll go ahead now. It is, after all, a freebie. It's a handy little gadget called Typeitin: you can program your own personalized buttons, so that with two clicks (one to bring up the program, the other to "push" the button), you can have, as I do, any of the color codes appear wherever your cursor is.
http://www.wavget.com/typeitin.html