I decided to go the flat commercial and another separate incline bench for the reason that the expensive incline benches weren't 30cm wide, and I want a 30cm wide bench for the benefit of my shoulders while flat heavy benching. I tried the 25cm and 28cm benches today at a gym and I much preferred the wider bench.
For this reason I'm not shelling out big time on the ironmaster like I planned to - it would fail me as a flat bench. I picked up a second hand gymdirect bench and it will serve for a while for inclines. Although not 1000lb rated, the one I have will hold me + the weight I'll do on inclines for some time.
So fail width on inclilne benches + low dedicated flat bench height (more hip drive) was the reason I've decided to go with 2....