>>1917896If I could only have one bike, new, it would just be a basic road bike.
Modern disc road bikes easily fit 32mm tires, which is the ideal road/speed focused compromise size, perfectly good on easy offroad terrain. And i'd put a rear rack on it, for panniers.
It really depends though if you actually like riding hard or covering distance. An alternate 'one bike' would be a cruiser as like a more efficient version of walking and carrying groceries.