Thanks for all your responses!
I went into Tiffany&Co on Sunday morning and tried both on, (still had no idea) and then asked the SA what she thought. She said that the charm is good if you want to add more later, but the link is good if you want more of a uniformed bracelet.
She said that the link looked better on me, plus it seemed to fit better.
So I went with it. However, now looking at the charm I want that one too! So I may well get both!
I will post pics when my home computer is back in action.
Thanks again!