If it's beach/pier general purpose and you only want the one, any of those combos would do. Spool it with 30lb.
You can also use it for salmon spinning (like me), though many prefer around 9ft.
I used to have a nice spot for whiting and the surf rod went well there too (had 30lb on the spool but lighter rig), so you can get away with the one.
Have caught gummies with 30lb braid on the reel and a 50lb-60lb trace.
I started out looking for the general purpose setup years ago too and now have 9 rods and more reels than that
Although a few of those are spares for mates/family.
Now this is just my experience as I learned along the way (and still have much to learn), but when I got into fishing more and more I realised that my general purpose 9 footer was great for the pier chasing whiting and pinkies, good for casting metal slugs at salmon and tailor, not so good for squidding, terrible for SP and couldn't cut it on the beaches chasing the bigger fish.
Next I picked up a 7ft squidding setup which became useful for whiting too and later, SP fishing for flathead.
After that, it was a 13ft 8-20kg surf rod with a 8000 reel which let me chase bigger snapper, gummies and could handle the occasional banjos and rays. I take this one salmon spinning too, which could be overkill but I love how it casts.
I now have 2 surf setups (may as well put 2 in the water while you're there), a couple of light bream/SP setups (1-3kg or so), a 7ft squidding setup, a 9ft (old trusty) and some boat combos (for occasional tinny hire since most of the others were too long or light).
I don't hit the piers much anymore so the 9 footer barely gets used.
Really depends on where you're fishing as well as what you're chasing but the surf combo should do well.
The 2 combos you mentioned are pretty similar. The gear bowl mentioned is better.
