i am considering a bearn wallet but have a few hesitations... 1. can you fit a reasonable number of coins in the zippered coin area? 2. i hear that the flap that goes through the 'H' in the front gets worn out with the constant pulling and bending. how does yours look throughout the years? 3. would the compact bearn be a better size for a 28cm kelly? i'd love to hear how your bearn has held up (especially with issue #2) over the years. i'd hate to spend close to $2000 on a wallet that looks messed up in a few years. thanks so much!!!