I have one more carry on question, that I will warn you maybe stupid! I'm taking a 3 day trip and hoping to carry on my luggage in a duffel bag. I know I'm allowed one more small carry on, which would be purse etc, but want to carry a small tote bag of sorts and plan to put my purse in that along with a few other items, magazines, book, mp3 player, camera etc. Is it ok to have my purse within another tote to be considered the additional carry on? 

Under your seat will be the personal item belonging to the passenger seated behind you... unless you're in a bulkhead seat and the flight attendant makes you put both your bags in the overhead compartment and you're sure somebody "acquired" your digital camera while you slept except oops! you finally unpacked your suitcase completely and now find yourself the owner of FOUR digital cameras, this being the only one you actually know how to operate... but I digress 
If it has to be checked than so be it! I haven't measured the other bag yet, but it's not very big, so I'm pretty certain it will work. Thanks for answering!