IMO, I think since your'e in Vancity, I would go for a damier or epi just b/c you don't have to worry about vachetta!
like you said, maybe better off getting a pochette accessories, cles, or wallet from azur instead of a speedy....hope that helps!
LOL @ Vancity! Do you think the white epi would be high maintenance as well? Because even though its epi, its still white.