Lined or unlined loafers?

I’m looking to buy some brown suede loafers mainly to wear in my business casual office setting and have settled on Meermin.

What are the subs preference between lined and unlined loafers? I like the idea of unlined, as I often casually wear boat shoes sockless and want to maybe move beyond the New England frat boy look. But I’m also concerned that unlined will become too floppy over time (like a pair of boat shoes would) and end up not fitting in an office setting.

Lined: https://meermin.com/collections/mens-loafers/products/514045-brown-superbuck-e

Unlined: https://meermin.com/collections/mens-loafers/products/514511-brown-superbuck-e