Sorry, but neither
Phoebe or
Chloe are spunky to me.
Phoebe has Charmed and Friends attached to it,
Chloe is already slightly over-used to me.
If I was forced to chose either, I'd probably go with
Chloe, just because I prefer the sound and meaning to the clunky
Phoebe. A perfect spunky name in my-not-so-humble opinion is
Nina.