Scenario #1 is when you buy BOTH bags!!! You need options, girl!

Scenario #2, I usually used pen that didn't smudge when I wrote with it, cause I am left handed, and everything smudges when I write, and pencil is the worst.

Scenario #3... heck can't even remember the last time I wore a size SMALL, except maybe at Lane Bryant, lol. Go in what YOU feel comfortable in. The heck with everyone else. You wear a small for goodness sake, it can't be that big of a roll around your middle that you've got!!