90% of my riding is commuting to work. 99% of that on the road, 1% on light tracks
On that basis it should be a gravel bike with 2 sets of wheels, but that would make full mudguards a nightmare
I could do it on a rigid 29er but that would be too much for most of the riding, and full guards wouldn’t work so well
For fun riding my biggest bike is a hardtail, which to be honest rarely requires suspension.
By the time you faff with 2 sets of wheels, if you have the space, you might as well have 2 bikes!
I could move to 2 bikes relatively easily, even though 4 get ridden relatively often. 1 bike is very difficult