This is tough.
Assuming both pair of shoes fit your fussy little feet
Both shoes have a retro integrity, the SW are more tomboy and really tap into the 90's nostalgia for Bass Penny Loafers, however, you have moved away from being the Urban Prince. The treatment of the leather is pretty and bright which match your style goals, hmm?
The CK pair have retro 1930's war time vibe to them, the narrower silhouette is more refined as is the sole/ heel of the shoes, definitely Urban Pretty, the pale gold colour is perhaps a little too close to the creamy gold of the ankle strap shoes in your wardrobe.
In summary IDK, but if you do keep a pair will you add the penny?