I just received my pochette yesterday and I am a bigger bag type of person. So, I would get the wallet. I loved the roses but was surprised how small the pochette really is. I am still keeping it though for a night out for the essentials. I think Iwould have more use with the wallet. so, i vote wallet!!
I would definitely pick the Zippy. I'm not a huge fan of Pochettes simply because I also like bigger bags and know I'd never use 'em, and I'm also a sucker for wallets. The Zippy is a great one as far as wallets go too!