On this one – splurge. Just from photos, I can tell alterations will be problematic on the Forever 21 shirt. The model in the picture, as is has sleeves that are long and have buttons on the ends (making the alteration costly). Also, while the coral/navy combo is great, the Jcrew shirt looks sharp in it’s construction (including pockets that won’t make the bust area look sloppy). It’s sharp in the heart pattern as well.