The jumbo insert fits very into large bags and gives good shape to even the softest tote bags. Although I have not tried the wraparound style of insert, I like the purse to go better because it has a bottom and when you lift out the insert the wallet and everything else is also moved at the same time, making it self-contained and even easier to change bags (and less likely to forget something). I will now buy the other two sizes. I gave it 4 stars because even though I bought the neutral tan color for versatility, I think neutral colors could still be prettier and less boring. I don't know why the pretty prints have to cost more money. I received prompt service.