I was looking at m/l size but went for a jumbo bec everyone always said when in doubt, go bigger.
unfortunately it was an almost $3k regret
i ended up giving to my sis.
I have since then gotten 2 WOCs and I love them! I can fit a lot -- but i dont really use a wallet, only a card holder with essentials (i.e. DL, a visa and mc and an atm card, insurance card. All my other cards (giftcards, store cards, etc) go in a diff card holder. Granted i have bigger Chanel bags for when I need to carry more. But I find the woc so useful when I am running errands, shopping, etc, etc...
If this is your only Chanel for a while, maybe go for the m/l size if you do not carry a lot... Or the Jumbo if you do, and you dont mind the weight.
Otherwise, if you just like carrying essentials with you, this woc would be a good match-- casual when worn messeger style or shoulder, dressier when on the shoulder or held as a clutch. And the style you are being offered is such a classic
Just for reference, what I carried in my envelope woc yesterday while running around all day long"
card holder, iphone, mac lipgloss, mac blot powder, small Bath and Body works hand sanitizer, pack of gum, a mini travel size J&J lotion.
And my bag was not bursting, or looking like it was about to split. in all honesty, i probably coouldve put a couple more things...
Good Luck deciding!!!