I like this bag enough to keep it.In tote mode, the strap is just the right length but whilst in backpack mode, the buckles are about armpit height, no matter how much you adjust the lower strap.The straps (tote mode) are a bit painful because of the buckle. There is a little pocket in the flap around the handles I have inserted about 1/4" of foam and it only helps out a bit. The two outer pockets are only held closed by a tiny strip of velcro and are connected to eachother by a sort of trough along the top so if you put coins into the shallow back pocket, it'll roll around and work its way into the larger front one.
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