First off: just stay away from the AZ2 mounted scope. AZ3 is not a perfect mount but infinitely better than the AZ2 and better than a camera tripod $50 or so will buy you.
Now, you are beginning to over analyse
Secondly: you cannot have a <$300 scope that does everything - i.e. terrestrial scope, astronomical scope, camera lens.
If you know about camera lenses, the 90mm Mak on a camera is like a 1200mm f/14 lens, i.e. a big long telephoto lens that is very very slow (f/14) - too slow to be useful in many (most?) practical situations. You are better off getting a real camera lens IMO.
For visual, the Mak will give you higher powers (not suffering from chromatic aberration and having more aperture), while the refractor will give you wider true field of view (with shorter focal length). No f/7 is not too fast for visual. You might want to find out if the Mak is a Skywatcher or Saxon. I know the SW Maks are good scopes but I'm not sure about the Saxons..
Given your budget and initially stated requirements the f/7 70mm achromat on AZ3 best fits the bill IMO.