I have this in black as well (actually carried it today), and I LOVE it. Seriously, I don't remember the last time I was so happy with a bag's form AND function.
I can see the point about a lining, but this is so lightweight and easy to carry, even with a bunch of stuff loaded into it. I plan on using mine for travel for that reason, but I think it could be a good work bag too.
I do think an organizer could be a good idea for a light-colored, unlined bag, though, to keep the inside looking good as well as the outside.
Thanks for your reply! If I purchase this bag (leaning more toward a yes as each day passes lol) I’m going to order the organizer suggested. More than just protecting the inside and offering organization, I like how organizers help handbags retain a certain shape. Everyone so far has really loved their Carmel. Not surprising for me to hear that. I’m pretty smitten at this point

