I acually own this bag and I have come to love a great deal. I use it for school. I do not stuff it, as it can be heavy.
It is not necessarily stiff. In fact, I find that Luco, Babylone and Cabas Mezzo are much more stiff than Chelsea.
It contains one pocket on the inside, but at the time that I made my purchase, which was December 2005, it did not have a cell phone pouch. I hope that things have changed since.
It is a wonderful bag....and you rarely see it around!