I need a new daily handbag as my old one is simply worn out. I have a budget (preferably under $150), and a general style: simple but sleek, leather, and must have a crossbody *option* (see below). I prefer lighter colored bags that will transition seasons well (yellow, cream, light grey, etc...), and I already have a black bag I love, so I don't want black/red/too wintery of a bag.

Examples:
Too casual/dark, but I LOVE the foldover/size option style: http://www.gap.com/browse/prod.....=675481012

I'm not sure about metallic, but I kinda like it. What do you think? http://www.jcrew.com/AST/Brows...../13334.jsp

I can't seem to find anything I feel really comfortable with, and it's driving me insane! Any ideas would be incredibly helpful.