I see how you wish for everything to match. But honestly, if you have
the $$ today there is no reason you cannot put it in a savings account
for use later. Plus, if your future finances are questionable, the
cash may be much more valuable than a matching tile floor that you've
covered with gym mats (and most likely wrecked) so it can be used as a
workshop now.

IMO, the smart money move is to purchase what you need rather than buy
what you think someone else may want a few years from now. Keep in
mind, you're not the only couple who would enjoy having a nice rec room
with a durable flooring that is a space for mom & dad workshop or the
kids to horse around in, so choosing that design also has much value.
Keep in mind, durable flooring products don't have to be ugly.

Good luck. Sounds like you're making one nice living space for your
family and I hope whatever you choose works out well for you.