It all depends on what do you plan on using it for and what do you want to carry in it?
I have two of these and I love them! This style is more like a wallet on a chain model. I used these when I’m going out to a place that I only need the essentials like my ID, lipstick, phone, and money. For example, when I’m in New Orleans visiting the French Quarter, these bags are perfect, easy to carry and very secure. Also if I need more space to carry items like when I go shopping, it’s easy to take the strap off and turn it into a wallet which I throw into my tote.
I guess you need to figure out what usage you want it for.