I have a small, which I like, but I think a medium is more versatile. It fits a lot more, but doesn't look that much bigger. As for color, I have the navy and it's very pretty. It has a sheen and a brightness to it, so it's not a typical navy. I have my eye on the ruby as well because I wear a lot of black & white. I would say pick navy if you want versatility; and I would pick ruby for a pop of color to an outfit. Though I haven't seen ruby in person, on the forum it has been described as a muted red between poppy and opera.
@A2wonbaby - thanks for the advice!

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