The lining, esp for a low-end mass-market bag, is really nice. It's cotton (or a mostly cotton blend), with a brown logoish pattern on a white background. It makes it really easy to find things in the bag, IMHO, which comes in especially handy with the very big black doctor bag.
As for the shininess, it's somewhere between those two pics from the website. I think it's about the same amount of shiny as any regular patent bag, so if that's not your thing, then you might care for this. There's a texture to the PVC, however, that makes it look less "cheap" and more "luxe", again IMHO. It's more obvious with the smaller clutches than with the larger bags, but I'm crazy about the whole line, so I'm biased. The only bags I haven't gotten are the hobos, because the magnetic closure just does not hold well enough for me (I'm paranoid about stuff flying out when I sling the bag over my shoulder).
BTW, the clutches have a small "credit card" section inside the front wall of the main section, as well as a back wall zipper pocket and a front zipped section, all inside the double snap flap. I was able to downsize to the bare essentials this weekend and carry just the clutch with my most important cards, cash, cell phone, keys and two lipsticks. If you get nothing else from the line, the clutches are easily worth your time and money if you like how they look.