(snipped for cleanliness)
As a baby boomer in my late 50's I have very little interest in business models that have a very good chance of becoming obsolete in 10 - 20 years. I prefer instead business models that can adapt with technological change. So I choose Monero.
And you forgot the most important part. The "business model" not only *can* adapt - it will adapt. Its in the code. If for whatever reason the core devs engaged in a 10 year debate about whether monero should be a coffee blockchain or a settlement layer and this resulted in *nothing* getting added to the code, current codebase would let the blocksize increase and 40k tps would be filling out holographic datacubes with cryptographic nonsense. .
less human intervention required = better cryptocurrency.
*edited to add "required"