I just bought the pink denim monogram belt. I figure I will wear it once in a while with a white t-shirt and blue jeans. I think it is flashy depending on where you are. I dress according to the event. I don't like to be flashy so I wear the flashy stuff when everybody around me is wearing flashy clothing. I would not wear it in many areas where I live because it just causes too much attention.
Christina, the size of my belt is small and it is just right but on the tighter side. I am size 26 now. Hope it helps, I would say size smalll is indeeed small.