I have a victoria (fabric-lined), a bolide 35 (leather-lined) and a picotin 22 (unlined) and have used them all frequently. The biggest takeaways from all of the different interiors is the weight of the bag, as well as your tolerance for scratches/stains on different finishes.
Victoria
I have used the victoria as-is and with a bag insert. I prefer using it with the bag insert for structure, but I appreciate the fabric/canvas lining as it is fairly easy to clean. An excellent travel bag because it is lightweight and no fuss.
Picotin
Unlined bags scare me because of color transfer and potentially losing the softness of the unlined side of the leather due to wear and tear. The benefit of the bag is that it is light and easy to use. I have a maitai bag insert in my pico and it is the perfect balance between a light bag and protection for the unlined interior.
Bolide
So. heavy. I love the luxuriousness of the leather interior, however, it is quite difficult to carry if it is stuffed to the brim. I worry about scratches on the soft leather lining, so I also added a samorga bag insert to the bag to protect the interior and give it some structure.