SANSTHS2 Pack Women Leather Belts Faux Leather Jeans Belt with Double O Ring Buckle

On the reverse side is it smooth? Will they damage my dresses? Also it keeps saying that a hole puncher is included, is it?

Which color is more of a Cognac color - The khaki or the brown?

What is the loose silver stick for in a small clear bag?

I am so confused on the sizing. i wear a size 32 (14) in jeans! what size should i order? i thought xl. but after reading some reviews i’m not sure.