I have a hard time getting on board with the matte look because it always looks to me like a person has been wearing the polish long enough that it has lost its shine (but amazingly hasn't chipped much yet). It just looks OLD to me. In the link, it looks better with the gloss tips because it helps it look intentional.
I don't like the bumpy effect in the first photo in the second link, but shiny gemstones could work for a special occasion. I wouldn't wear it for everyday, though, as 3-D nails typically do not work well with everyday life. They last a very short time.