Those extra lines are unnecessary and also take away from the minimalistic look of a cap-toe Oxford. I'm also not a big fan of the 6 eyelets and the 360 welt. You can do better with shoes costing about half the price TBH.
I took 7 UK, same as Carmina Rain and EB 946. I've only worn them once so far but they're the tightest out of the other 2 brands at the same stage. They weren't easy to put on and even harder to take off but comfortable when they're on.
You weren't asking me but personally, I don't like whole cuts at all plus they crease a lot more than cap toes do. And yes, wholecuts are considered slightly more formal due to their plain design. Here's a picture of my Elton Black Cap Toe Oxford on their maiden voyage.