I also have one kelly and I got my first birkin size 25 after lots of researches and debates. I was concerned about the handles as well. It really depends on whether your arm is thin enough to carry it on the crook your arm. Also if you wear bulky bracelets it won't be comfortable to take the bag on/off. I have thin arms so I have no problem and I only wear thin bracelets like the Love bracelet.
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Is it easy to take on and off your arm ? Like with ease?