Everyone who commented chose the front ruffle-y shoe.
Two friends suggested I buy them both and try them on with the dress. I am sure glad I did!
Although I loved the ruffle front ones the best too, they just did not look right with the dress. The ruffles were just "too much" (my husbands words)....AND the fact that the ankle strap cut my leg-line off (can you say cankles?) and the others made my legs look better/longer was a definite deciding factor. Not to mention (but I will) that the ruffle ones were $30 more and not comfortable at all. So the gorgeous front ones are going back to DSW today and I am keeping the Madden Girl peep toes. They are so comfy (really!) - suede and patent - and will be great with all of my fall dressier pants and dresses too!
Here's the dress....