Still clinging to your summer tote? It's time to trade up. This fall, skins, hobos and studs are the arm candy of choice. Luella's Gisele bag looks like something a hip doctor might carry. (Look for less expensive alternatives at lushfashions.com.) B. Romanek's alligator clutch has a striking wrapped-tail design. And Kooba's Claudia hobo bag comes studded in brass. (For similar looks, check shopthebaglady.com.) Because these days, bargains are stylish, too.