New every day bag needed!

I am hoping my readers can help me find a new bag for every day use. While I love my Vineyard Vines tote, it is too big and gets too heavy to carry around all day (even if I don't put much inside). I started carrying a card case with ID, credit cards, and some extra cash so I wouldn't have to lug around my big (heavy) wallet. But I still want a smaller bag, preferably cross body style.

My two major requirements:
1. Zip top
2. Inside pockets/dividers or at least one pocket for my phone (I have a Longchamp Le Pliage for travel but I hate how it becomes a bottomless pit). I really like the structure of the Vineyard Vines tote so I am looking for something similar but smaller

What needs to fit:
Wallet, phone (and usually charger too), keys, and then things like chapstick, travel package of wipes, travel package of kleenex, a pack of crayons or a couple of small toys (for work days and/or when I'm with my nephews), snacks.

I am willing to invest in something a bit nicer that I can use for years. I only have one more year as a nanny (ahhh cue the tears) so I definitely want something office/work appropriate for when I transition out of nannying.

Here are some options I have found online (of course my local mall is under construction so I haven't had a chance to check anything in person). Please let me know if you have a bag you love!

Kate Spade cobble hill small toddy, $298

Kate Spade cobble hill deva, $328

Madewell transport crossbody, $148