There are people who want the best and don’t understand gemology yet. There are others who master the principles of gemology and let that guide their purchases. Dr. Hannemann, one of the pioneers of innovation in gemology used to say that the more gemology you knew, the fewer instruments you needed to make decisions. If I were you I would first get a copy of Hanneman’s book, Affordable Gemology, in which he talks about ways to produce a dark field with a loupe, etc. My first gemological microscope cost me $325. It was a B&L microscope with a glass stage and a mirror underneath for which I rigged a darkfield illuminator which I still have from a transformer and a halogen headlight bulb, a chrome bowl and a black flag to cover the direct light. Pretty much any illuminated stage can be turned into passable dark field with a suitable washer to provide the aperture and a disk below it to block the direct light. Nowadays we have cool LED lights instead of that hot halogen and the color temperature is much better, too.
Looking at ebay today I see numerous older zoom microscope for under $500. You could easily rig an LED light underneath, and buy a third hand tweezer if the scope does not have one. Any suitable small vessel serves to immerse your sample. LIttle gooseneck LED lights and an LED ringlight increase your lighting choices. A few months ago I sold a 7X to 30X B&L head to someone for $150. A set of WF 10X eyepieces ought to run about $40 or less.
Currently I happen to have an older Gemolite V GIA scope because I found one with a bad head and a busted diaphragm for $300 and replaced the diaphragm for $30 and put a different AO 7x to 45x head on it. The old halogen bulb was replaced with a cool LED bulb.
If you have $1500 and are not able to rig things, you can go with one of the scope you mention. However, you would learn a lot about inclusions and lighting if you merely got a simple stereo scope with a direct illuminator underneath or one with a mirror base to which you could attach a penight flashlight. Side lighting with those little gooseneck lamps gives you endless flexibility and you will find one or another angle that highlights what you are looking at. The LED ringlights are cheap, $25, and they add another dimension. You can learn to take pictures with your phone and a macro eyepiece or use it through one of the eyepieces of a stereo microscope.
A lot depends on whether you have more money or more time. If you saved $1000 on your scope, you could easily spend $500 of that on your spectroscope, refractometer, dichroscope, fillters, etc. You probably would not need to go over $1000 total for a complete gem lab. This is all assuming you need gemology tools and not a polarizing microscope, etc. for metallurgy, geology, etc.
I hope this is helpful.