Pro's/con's? Also does the Jersey tote come in any other colors besides the one that looks kind of gold. I have only seen a Jersey flap. Do you think the black satin Melrose would be more dressy and usable all year-round vs. jersey looking kind of seasonal. I would be getting one of them form out of state and hate to deal with returns sp looking for some advice before I decide. They are about same price point and size too, yes? Thanks.