I think it'll wind up being some combination of our views.
There will be a handful of widely accepted currencies, but there will still have to be ways to offset the huge transaction fees in place for the big boys. I love DOGE so much for this reason... it's kinda gimmicky but it's so marketable, and they're so cheap walking around with a wallet of DOGE would be just like walking around with a wad of $1 bills.
Not really sold on DOGE at all. Seems like a joke that turned into a pump and dump. I agree that it's marketable right now but will it be a few years down the road? I doubt it. I think there are much better alt coins to fulfill that dollar roll you're talking about. Namely an alt like Ripple. Due to it's large supply, it's almost guaranteed never to get over 1-2 dollars ( possibly more if BTC hits a 1 trillion dollar market cap ).