I agree with the none of the above. I'd rather save more money and get a "nicer" bag later or spend less money and get a higher quality, non-name brand bag.
Personally, I think of all there of those brands as sort of outdated. Tory maybe less so than the others - in a way that TB is a bit more classic. Coach was great back in the day, but that day was a long time ago, and RM is just meh - and hasn't really been nice in about 7 years in my opinion.
You can get nicer quality leather bags without paying for the name brand. Or wait and get a nicer brand - like Chloe or something.