Black looks awesome when clean, but sucks when it comes to keeping it clean and showing dings and scratches.

What I would be more worried about (rather than interior color) is the color of your doorjams, trunk, underhood. If you do a complete color change, you're going spend a lot of $. If you only have the exterior painted, you're going to end up with a funky two tone job when you open any door.

Personally, I'd just have the parts fixed that need repainting, like fender, other damaged areas, and leave it white. 98 isn't that old, I would think your paint would still be in decent condition.