honestly matte is a safe lipstick all girls can pull off except they sometimes overdo it and it ends up all over their teeth etc LOL. im more of a classic moist red on special occasions. You dont habe to worry about smudges as much and if you do its easier to brush off moist than matte. Although matte lasts longer so if you dont want to reapply then just go with matte
I own some matte lipsticks and liquid mattes that lasts for a very long time. And also going for the more expensive lipsticks don't always work out well I own some $2 lipsticks that last longer than my $18 ones. Absolutely make sure you read up on reviews before you buy any lipstick though. My lips are never dry in general so I don't have a problem wearing mattes so I can't give you help on that part.