I only have hobos for casual bags. Well, hobos and the Longchamp folding Le Pliage bags, which I don't count because I use them for hauling stuff, not as handbags per se. Hobos are the most practical style for me. I like the look and I need a bag that can be put over my shoulder. I only have three so I don't think I'm overdoing it. I'll get a medium non-hobo shoulder bag if I can find one in a great color (I'm thinking chocolate).
Much as I love satchels on the shelf, my tolerance for carrying a bag in the crook of my elbow is about 5 seconds, so I resist buying them.
I have a weakness for clutches, but they're not used as often as day bags so I try to keep them to a minimum. Right now I have 4, and that's plenty. If I decide to get another I'm going to have to let one go.
I'm exactly the same way with satchels! The few times I've been lured by their beauty, I've also realized I am not a satchel girl. I've learned my lesson after selling a couple that were beautiful but not for me. I have one very inexpensive clutch because my life doesn't really call for them, but I do have three crossbody bags in different sizes because I use them all the time!