It depends on your lifestyle and what you plan to use the bag for. If you are picking the WOC for cost reasons only then it may not be the best choice. It truly is a wallet on a chain. I use mine every day as a wallet, stuffed into my work tote in a dust bag. It’s perfect for when I want to leave the car and go into a store and don’t want to take my work tote inside. I keep my car fob permanently in my woc and just pop my phone in and go. I also wore mine out to dinner last night. But it is true you can’t fit a lot in the bag. I can fit my iPhone, key, and wallet items. I probably could squeeze a bit more inside but that’s all I ever really need. It really doesn’t have a ton of space - which was ideal for my use, but not ideal for a lot of people.