All of the above, although I don't think it scratches quite as bad as other tPFers think. It DOES, though. To me clay and raisin are worse about the scratches. Color transfer..yes, be very careful. With the Bridgit drop length you should not have to worry about jeans, but just be careful about your top. I haven't had a problem with either the Bridgit or camel Lily..but then I don't carry it as a satchel and rake at across my jeans.
I agree with Baglady, The raisin is the worst! Camel will scratch, but you can rub them out pretty easily. Plus, you will probably be more careful than if you bought it at an outlet where everyone just thrashes the bags!