1) the black CERF tote with 2.55 Mademoiselle lock & ruthenium h/w -- I recently bit the bullet and bought one (the last one in the Chanel nationwide boutique system) and LOVE it. I think the Cerf style works better with the 2.55 MM lock than the traditional CC's although both are gorgeous. The 2.55 MM lock version is a limited edition (not a classic, constantly-restocked style like the ones with CC lock) and pretty hard-to-find now (last time I called NM they said it's sold-out) so if you can track one down, get it! And if you get it please do post action photos so I can get more inspiration from your outfits!!
2) the Rachel Bilson white washed caviar medium flap w/ 2.55 MM lock & Bijoux chain -- I've been in love with that style ever since it came out and am still saving up for it (can't buy too many Chanel's at once!). I too am quite cautious about getting a white bag (I've never owned a white bag) but I think the caviar material is more worry-free than, say, lambskin.
If you prefer Chanel styles that are understated chic without being in-your-face (i.e. as logo-free as possible), then I think the Cerf w/ 2.55 MM lock and the white washed caviar flap w/ 2.55 MM lock/Bijoux chain would be PERFECT for you. (I prefer my Chanel's with as little logo showing as possible so those are my favorite styles!).