MrsS a croc JPG Kelly is so very chic. My JPG is not an exotic but I use it exactly as you describe, for gala dinners, weddings, evenings out.
It holds a surprising amount; cell phone, small wallet, lipstick & brush, keys and compact. If I leave the wallet out and just carry a card it's a little easier to get in and out of.
I have even carried it as a day clutch! As recommended by my SA and it was terrific.
Having recently seen pics of the matte croc JPG Kelly of a member here I don't think you could go wrong with matte or shiny croc. Both very luxe.
Good luck with your choice it's very exciting.