Hey , good evening… i pretty much went through the same thought process as you are at the moment . It’s true there’s no one raft that’s going to get everything done well .
so what I decided was I would build my bike rafting set up first ( make sure I could accommodate Ben, and enough gear for 4/5 days out ) bike raft my local rivers for quick micro adventures and also have the raft for fishing alpine lakes with him, and get used to running more and more turbulent waters , in the future , now that I know I love it … I do plan on building another raft , probably a lightweight for those fast and light trips .
With regards to other rafts I’ve only used inflatable kayaks.
My advice would be to get the Atlin. Get the zip and dry bags .
The only downside I could think of was the fact you wouldn’t get a spray deck .
Bob