whoa, a whole lotta info, and opinions, so allow me to offer one.
I"m a fan of less is more, i've had a hf floor model for about 15 years, pretty simple, the biggest item on it i use and wish was better is the depth gauge stop, as for speeds, not sure how many it has, as i can probably count on two fingers how many times i've changed it. Moderation can be done with hand eye coordination , again my opinion. And i do get that occassionaly if drilling something out of the norm speed is a factor, so the ability to change it would be a plus.
So there you have it, i've seen them with so many bells and whistles, one just doesn't know how to remember all of them, let alone use them regularly. But thats just me, i'm a simple guy, wanting to do simple things,
don't get me started on chisels, ugh, i've a collection of those that a vendor would envy, just can't seem to find the right set.
good luck with selection, one never knows if its the right one till you use it a fair amount, then keep a list of the things one would want, and upgrade when opportunity rises it fortunate head.
Rj