Wow OP, you went into quite a bit of detail and covered some good coins, especially given your criteria. I can't really offer you anything. I like your SpectreCoin pick, and your reasons for it. As the marketplace gets more and more regulated, privacy is going to be valued more and more, so privacy coins are a good bet. XSPEC is pretty undervalued right now compared to other privacy coins, especially when compared to other coins that actually have privacy technology to back their claims to fame. If you or anyone else is looking to buy XSPEC, you can do so on Cryptopia.

Another good privacy coin I know of is Monero, but it's a bit more expensive than SpectreCoin is right now.