FI/RM/WM/BM would probably be technically better, but very expensive (if you're willing to spend money, why not go with FI/FI/WM/BM?). FI/BB would be a little easier on the wallet, even if BBs suck.

As to your second post, I tend to prefer the WM/BM combo, because I like the balance and having the full array of magic at my disposal. There's others who don't like BMs, but they are terrible people and you should not listen to them.