On how the small looks... I don't think "bulky" is the correct word. The better word to me is "depth", as in the Clover has much more depth than the Love, so the Clover will always stand out over the Love.
The Love, at its core, is a simple plain gold bangle. The Clover is far more intricate. It is a complex design with beautiful metalwork, milgrain bead edges, metal clovers, and melee diamonds. It is a very complex design with much more depth (e.g. your husband's "bulky") than the Love. It's meant to be that way, and I love it!
I also love it a bit more loose for me, but fit is 100% preference.
The size my SA said matched me was the Small. However, I went with the larger size, the medium.
For me, the smaller size was a tiny bit snug than I like for a bangle. Also, because of the design, the smaller size gave me the sausage-arm look. The looser one definitely made my arms look thinner. For me, I like a "bulky" bangle that has presence; I don't want the tight cuff look (unless I am wearing a cuff). Another way to look at it is slip-on bangles; those are wider in diameter and they look great on people!
It's all preference of course, but I would say this...
Don't let the Love bias your judgement. If you are always going to wear it with your Love, then yes, I would get the XS to match the Love size as your Love is pretty snug.
If not, and you plan to wear the Clover separately or collect other VCA bangles, I would take off the Love your wrist and look at the Clover bangle alone. It's not fair to compare it next to the Love as the Clover will always look bigger as I stated above. These bangles are two completely different designs.
To me, in your photo above, if I cover the Love with my hand, the Clover would be too tight for me for sure. I imagine it barely moves, and I prefer a bit of movement for the Clover. I know 100% that tightness would annoy me. It's all preference of course, and some people love tight bangles/bracelets.
It's just something to think about since you said the Small felt more comfortable as your first impression. I go with comfort 100% of the time. You just need to think if it is a "must" to match the Clover size with your Love, as I think your decision was based primarily on that.
Finally, that chalcedony is gorgeous! That is such a beautiful set of stones... my eye stops and stares. It looks great on you.
Just my thoughts. The Clover is gorgeous, any size! Congratulations to you!
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