I'm trying to decide between these two colors. I haven't seen either in real life. I really like the idea of a cobalt bag, but the chalk looks very luxe with the gold hardware. I am also unsure of the white stitching on the cobalt, but worried that chalk will be hard to keep clean. Also, is the cobalt a true cobalt blue or more like a navy? I already have a navy Minkoff MA mini bag... is it too close in color? Thanks!