Real life consensus is jl tan or radley with charms removed as well. Umm the radley is the most practical size and style but the jl one was because I want a anya hindmarch zip satchel but cant afford one!
Don't know if you travel on the tube etc but one of things I like about JL one over Radley is that you can wear it across body if you need to (as I would if, eg, carrying heavy shopping on tube).
Also Radley seems just a touch boring, but that might be my prejudice against the brand.
Agree with you on the Hindmarch zip one - I'm not usually drawn to bags much over £200 or so and hate those with obtrusive metalware (eg, Modalu and most Michael Kors) but do really covet one of those!
I'd go for the fossil one and then keep an eye on the JL and Radley one in sale. Bare in mind sales are only about 8 wks away and I would take a confident guess that both will go into the sale, the JL may even go down to 50% off.