i think you really need to go try out the bags in the boutique first... even though the jumbo fits a lot more than the m/l, it might look big on you, and also some ppl think it's heavy. but then again, you have to decide if you wanna carry less for getting the m/l... perhaps if you can wear your sunglasses over your head? i don't think you will be able to fit them in a m/l, but the other things on your list will.