IMO, basically, toe clips are dead and buried. I used them in 1990-91 then went to SPD, and alos BMX with flats.
To me, any 'normal' shoes = flats of some kind. I don't wear 'smart' shoes to work, but if I did, I'd use plastic pedals to avoid damaging the soles, or leave them at work and ride in trainers/SPDs.
If you're thinking of using the double sided SPD/flat pedals offroad, I can onlt suggest that you ditch that idea completely. It's an utter waste of time: The 'flat' side is too small to be any good and the SPD side is always the wrong way up, so you're forever trying to flip the pedal, which is worse for confidence than pure SPDs. I've seen people (Beginners) try them, and they VERY QUICKLY ditch them for proper SPDs or flats.
If you think you're gonna need flats for a certain ride, use them and be done with it.