I'm thinking of the best way to store personal contacts in a database for a business application. The traditional and straightforward approach would be to create a table with columns for each element, i.e. Name, Telephone Number, Job title, Address, etc... However, there are known industry standards for this kind of data, like for example vCard, or hCard, or vCard-RDF/XML or even Windows Contacts XML Schema. Utilizing an standard format would offer some benefits, like inter-operablilty with other systems. But how can I decide which method to use?

The requirements are mainly to store the data. Search and ordering queries are highly unlikely but possible. The volume of the data is 100,000 records at maximum.

My database engine supports native XML columns. I have been thinking to use some XML-based format to store the personal contacts. Then it will be possible to utilize XML indexes on this data, if searching and ordering is needed. Is this a good approach? Which contacts format and schema would you recommend for this?