Well, in theory I agree with Lori, busyfingers and Ms. Heirloom that a tote bag with a separate lining is the best, most professional way to make them, I tend to be an impatient person! I dream up a project and before it's even done I'm ready to begin the next one.
That said, perhaps one day I will succumb and make nicer bags with separate linings. I agree they look real nice.