I have the Chanel medium flap - it is an excellent choice; a true timeless classic. If you expect to carry it quite a bit, get the caviar, more durable.
Oh gosh that is SUCH a hard choice!!
Im thinking the Le Tal is more formal than the flap, so depends on your main use for the bag!
I am really loving flaps at the moment and a black flap with silver hw, omg! TDF!!!