Multi-Selection List : changing Binding Array to Binding Set and back again

I am trying to create a menu picker for two or three text items. Small miracles, but I have it basically working. Problem is it uses a set, and I want to pass arrays. I need to modify PickerView so the Bound Parameter is an [String] instead of Set<String>. Have been fighting this for a while now... Hoping for insights.

struct PickerView: View {
    @Binding  var colorChoices: Set<String>    
    let defaults = UserDefaults.standard
    var body: some View {
        let possibleColors = defaults.object(forKey: "ColorChoices") as? [String] ?? [String]()
        Menu {
            ForEach(possibleColors, id: \.self) { item in
                Button(action: {
                    if colorChoices.contains(item) {
                        colorChoices.remove(item)
                    } else {
                        colorChoices.insert(item)
                    }
                }) {
                    HStack {
                        Text(item)
                        Spacer()
                        if colorChoices.contains(item) {
                            Image(systemName: "checkmark")
                        }
                    }
                }
            }
        } label: {
            Label("Select Items", systemImage: "ellipsis.circle")
        }
        Text("Selected Colors: \(colorChoices, format: .list(type: .and))")
    }        
}
#Preview("empty") {
    @Previewable @State var colorChoices: Set<String> = []
    PickerView(colorChoices: $colorChoices)
}
#Preview("Prefilled") {
    @Previewable @State var colorChoices: Set<String> = ["Red","Blue"]
    PickerView(colorChoices: $colorChoices)
}

My Content View is suppose to set default values the first time it runs, if no values already exist...

import SwiftUI

struct ContentView: View {
    @State private var viewDidLoad: Bool = false

    var body: some View {
        HomeView()
            .onAppear { // The following code should execute once the first time contentview loads.  If a user navigates back to it, it should not execute a second time.
                if viewDidLoad == false {
                    viewDidLoad = true
                    // load user defaults
                    let defaults = UserDefaults.standard
                    // set the default list of school colors, unless the user has already updated it prior
                    let defaultColorChoices: [String] = ["Black","Gold","Blue","Red","Green","White"]
                    let colorChoices = defaults.object(forKey: "ColorChoices") as? [String] ?? defaultColorChoices
                    defaults.set(colorChoices, forKey: "ColorChoices")
                }
            }
    }
}

#Preview {
    ContentView()
}

PickLoader allows you to dynamically add or delete choices from the list...

import SwiftUI

struct PickLoader: View {
    @State private var newColor: String = ""

    
    var body: some View {
        Form {
            Section("Active Color Choices") {
                 // we should have set a default color list in contentview, so empty string should not be possible.
                let defaults = UserDefaults.standard
                let colorChoices = defaults.object(forKey: "ColorChoices") as? [String] ?? [String]()
                List {
                    ForEach(colorChoices, id: \.self) { color in
                        Text(color)
                    }
                    .onDelete(perform: delete)
                    HStack {
                        TextField("Add a color", text: $newColor)
                        Button("Add"){
                            defaults.set(colorChoices + [newColor], forKey: "ColorChoices")
                            newColor = ""
                        }
                    }
                }
            }
        }
        .navigationTitle("Load Picker")
        Button("Reset Default Choices") {
            let defaults = UserDefaults.standard
            //UserDefaults.standard.removeObject(forKey: "ColorChoices")
            let colorChoices: [String] = ["Black","Gold","Blue","Red","Green","White"]
            defaults.set(colorChoices, forKey: "ColorChoices")
            }
        Button("Clear all choices") {
            let defaults = UserDefaults.standard
            defaults.removeObject(forKey: "ColorChoices")
            }
        }
    }
    func delete(at offsets: IndexSet) {
        let defaults = UserDefaults.standard
        var colorChoices = defaults.object(forKey: "ColorChoices") as? [String] ?? [String]()
        colorChoices.remove(atOffsets: offsets)
        defaults.set(colorChoices, forKey: "ColorChoices")
    }
#Preview {
    PickLoader()
}

And finally HomeView is where I am testing from - to see if binding works properly...

import SwiftUI

struct HomeView: View {
    //@State private var selection: Set<String> = []
    //@State private var selection: Set<String> = ["Blue"]
    @State private var selection: Set<String> = ["Blue", "Red"]

    var body: some View {
        NavigationStack {
            List {
                Section("Edit Picker") {
                    NavigationLink("Load Picker") {
                        PickLoader()
                    }
                }
                Section("Test Picker") {
                    PickerView(colorChoices: $selection)
                }
                Section("Current Results") {
                    Text("Current Selection: \(selection, format: .list(type: .and))")
                }
            }
            .navigationBarTitle("Hello, World!")
        }
    }
}

#Preview {
    HomeView()
}

If anyone uses this code, there are still issues - buttons on Loader don't update the list on the screen for one, and also dealing with deleting choices that are in use - how does picker deal with them? Probably simply add to the list automatically and move on. If anyone has insights on any of this also, great! but first I just need to understand how to accept an array instead of a set in pickerView.

I have tried using a computed value with a get and set, but I can't seem to get it right.

Thanks for any assistance! Cheers!