Hey man, sorry to hear you lost your watch.
1. Honestly both are great watches. I've recently acquired a 42mm Khaki Field and it is amazing. Which ever you chose you won't regret it.
2. No. These are not dress watches. The name already says "field watches". They are designed to be rugged . These watches are opposite of what a dress watch are.
3. For rm3k you can take a look at other brands like Tissot, Mido, Certina and Seiko.
If you really want a versatile watch to wear casually and formally, I'd suggest you take a look at these watches,
Tissot Bridgeport Powermatic 80
Tissot Powermatic 80 Lelocle
Mido Baroncelli M7600.2.21.8
Seiko Presage Cocktail
Happy hunting
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