I have the dog tag one and I like it. When it's under your jersey you don't even feel it, so it's not annoying or restrictive. It's also pretty and shiny, and you can get a little saying on the front - I have the century creed, "There will be days when I don't know if I can ride a century. There will be a lifetime knowing that I have." On really hot days when I unzip my jersey, it does flap around a little bit, but I get used to that pretty quick and it doesn't bother me.

-Jessica