Thank you so much this is super helpful. I ordered just the felt insert yesterday and I think maybe I will amend it to remove the hardware up top and create my own holes in the material to put my chain in. You have a very good point about the plastic protector possibly being a bad idea in the summer which is kinda the only season to use the tie dye lol. I wasn’t a fan of making the bag look cheap by adding the plastic so I’m hoping the insert works out for me. I am surprised that all other felt options are so plain and many don’t have rivets for a chain.