I did the refinishing one. I got water stain on the front flap and dirty stain on every corners. FYI my bag is in beige color. I'm so scare that I will ruin the leather so I went to Chanel boutique asking for either cleaning or refinishing service. Chanel SA didn't recommend me to refinish my bag at the first place because the lambskin will lose its softness. She said I should try leather cleaner first. I asked for the name but she didn't give me the specific name "just any high end leather cleaner should be fine" she said.
I decided to give it a try. If it turn out bad I still have my second chance with refinishing service anyway. I did some research in here and my first trial was to use a rubber - dirt came off very little. Next, I decided to use Meltonian instead of Apple care, I removed all dirt by using Meltonian all purpose cleaner & conditioner. I got scared

I didn't put much of the product just put a little bit more on each coat. I used cotton buds and soft cloth, got rid some extra lotion before I applied it to the bag, started with small amount, reapplied it if needed and let it dry for couple days. All corners looked better but not the water stain.
So I went back to Chanel for refinishing. The service was pretty quick than I expected. I'm in California, it took only 2weeks to get it done. The thing is if you consider refinishing your bag as a choice, you should know that the texture of the bag will never be the same. Mine is a little bit harder... Just a little not too bad. The leather is not shiny as before. I can feel the difference between the color coat outside and the velvet like texture inside. (I asked them to leave the inside the way it was as I was afraid of loosing Chanel logo and hologram sticker). The overall looks great "like new" and I'm happy with it. I put some pictures here for you to see how it looks like before and after. Good luck!!