I love the way girls look with hand-held.... but for me, the shoulder is so much easier when you are running around with two small kids, school, work, gym classes. I do love my hand-held but it is not as practical!
I prefer shoulder bags. I go shopping a lot, as I'm sure most of you ladies do, and I need both hands to shop! Even putting the speedy on my wrist or arm, gets kinda heavy and in the way.