Just returned from our first trip abroad - a Baltic Sea cruise. Fantastic trip! Being novice travelers we were concerned about the need to protect our passport and credit cards as we had heard plenty of horror stories. Upon the advice of our world traveling friends, Liz and Adam (who call it their "third boob"), we chose the Neck Pouch for protection. Not the most comfortable contraption, but certainly provides security when needed. We received pick pocket alerts in almost every port and remained vigilant while feeling protected by carrying our Neck Pouch. It was a bit oversized for what we needed, but that would be the only drawback that comes to mind. Don't know why certain colors cost more than others. The "silver" was the least expensive at the time and they served us well. Highly recommend this product for peace of mind when traveling.