Journal
A strap across the vamp with a slot cut in it. The plainest loafer, and the most useful: with jeans, with chinos, with a suit on a Friday.
A metal bar across the vamp, from riding tack. Dressier than a penny, at home with tailoring and an open collar alike.
Two leather tassels on a lace around the collar. The most traditional of the three, and the easiest to wear with flannel and tweed.