Most shops are wrong then
I have Zoas, Ricordeas, GSP, Duncans, War Coral, Blastos, Toadstool, Candy Canes, RFAs, Leptos, Acans and a Frogspawn all living under the stock light.
Is it the best? No.
Will it support corals? Absolutely.
I still believe that if you do feel the need to upgrade, of those options listed above I would only consider the AI prime. There are other options as well, that aren’t on your list.
You could always start with the stock light and decide if you want to upgrade later.