"I am taking my wallet."
Translation:Biorę swój portfel.
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I'd say it depends on the grammatical person.
For the first person swój does sound a bit more refined, however not posh. But it's really not a big deal if you use mój instead.
For the second person, not using swój makes the sentence sound clumsy. Twój is acceptable, but not a good choice.
For the third person, there is no other option, unless the possessor is someone other than the grammatical subject.
Note that in many cases (when it's clear who the object belongs to) the most natural option is to omit the pronoun completely, e.g.: 'Biorę portfel.'
However, if the verb doesn't indicate the possessor or is missing, then mój,twój, etc. can't be replaced by swój, e.g.: 'To twój portfel' - This is your wallet.