I actually quite like the crocodile! I'm not particulary fond of the bag in the smooth finish version, but if I hade the funds the small croc version might be right up my alley. The croc definately seems less "matrix", or "sports car"-looking than the smooth.
But then again, it's hard to judge a bag from pictures only, I might like the smooth IRL, and hate the croc, it would not be the first time I changed my opinion about a bag after trying it on myself, but I agree that it, at least in the smooth leather, judging the pictures, looks like the type of bag that could really age you you unless you are 22 with zero wrinkles or over 60, as it would then just seem age-appropriate...
I don't think ladies (or gents) should avoid it if they love it but it will take more effort to style. I feel like I have the same issue with a couple of my Chanels.