So you can ignore SF input and do what you want, again? I'm con sed why you're asking strangers' opinions for a breast wallet than only you will ever see or use.
If you insist on a monogram, IMO, an inside non-gold mono is less chavvy than an outside monogram, just as breast monograms on shirts are less chavvy than sleeve monograms.
Though unless one's generally in the habit of forgetting one's own name, I'm not a big fan of monos.
I have monograms on some of of my shirts' sleeves - on the inside of the upper gauntlet piece, what about that?
Of course a good monogram only shows "..."
This is like putting a Vox post in the laundry.