ha ha.. no worries. i was like you too, deciding the different options.
so far, my speedy b 30 DE has held up when i carry a ton in it. i think the cracking issues are with DE neverfull's thin straps. the speedy DE straps are so much thicker.
i decided against mon monogram cos i read that it may chip eventually and it doesn't come with a strap.
as for resale value, that's not in my consideration when i am choosing bags. i choose those that i love and will definitely use.
Maybe I should get a mon mono 30 and a speedy B DE 35.... I think 35 is huge though. But with a strap maybe not that unmanageable.