I see many celebrities wearing the woc, I’m sure that’s not all they can afford.
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I bought my first and only Chanel 9 years ago. it's the Black Caviar Classic flap M/L. I have to admit that i only used it a handful of times so far and it's still collecting dusts in my closet. As a Mom of two young kids, in the past 5-6 years, my go-to bag is a WOC (SF,YSL,TB) plus a tote (aka, diaper bag, lol). so now i am considering splurging on a Chanel WOC. For my lifestyle, it will be the most functional thing. It can fit all my necessities -- cards, bills, car key and phone. As for minis, they don't have card slots and you will need to put a wallet in which seems to be inefficient.
I love my woc!I have a WOC and use it more often than the CF, especially during 2020. I only carry a phone, car key and a few cards. It’s light, goes from day to night.

I second this - watched a lot of YT videos, but it took me seeing a square in person to solidify my decision on purchasing the rectangle (and I never looked back).I have woc and mini, and I def reach for woc more frequently than the mini even though it's newer, just because it's caviar. I also carry minimum amount of stuff (cardholder and keys) so woc is actually (more?) perf.
As for mini, I went through a bunch of YT vid to see mod shots to see if I like square or rectangle, and got rectangle.
As @MarryMeLV_Now said, you can't go wrong with either.