I am really liking this belt.  I've had it for 3 months and so far this belt seems to be really well made.  (Should anything start to deteriorate on this belt, I'll be sure to update this review.)  The buckle isn't too bulky, it's pretty low profile so if you pull a shirt down over it it won't be sticking out too much.  The buckle is black, which means if you worry about mixing silver and gold accessories, this buckle won't be a problem.

My pants size is 6-8, I'm usually a medium, my waist is 28" and hip is 38" and my jeans are low rise so the belt is sitting on my hip bones.  I ordered this belt in medium size, and I buckle it on the 2nd smallest belt hole (there are 5 holes) so I've got some excess belt but not too bad.  I don't know how much shorter the small size belt is so perhaps I could have gotten a small.... there's free returns on this item from Amazon so if you're really on the fence between two sizes, you could order both sizes and it's easy breezy to return the size that doesn't fit, you don't have to pay return shipping costs.