If you plan on a full frame camera someday and don't want to replace the 60mm, get the 100mm. I have the 100mm and think it is a great lens, but I've never used the 60mm. The difference in price, at least here in the US, is not so great that cost has a great effect. They both are true macro with 1:1 ratio. The 60 is smaller and lighter (nice if you are trying to use it handheld), the 100 lets you get a little farther away from your subject. That might make a difference with bugs, not so much with flowers. As for portraits, you could probably get nice head/shoulder shots with the 60, the 100 gives nice closeup head shots.
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Linda
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