I've had this bundle set for several weeks now and have loved it 100%! I wanted an upgrade from the bag I had been using before, and this truly has been amazing to have. I like keeping the Peke-pak zipped to the front because it really does allow me quick access to my keys and phone. And if I'm not needing the tote (which I generally use as a backpack), it's so simple to zip-off the pak and head out the door knowing I'm not missing anything. And to be honest, I've never had a wallet because those can be super bulky but this Peke-buo is perfect! Overall this set is my favorite and I've been so happy with it.