I think most people (especially the new users with tape only machines) need a somehow fast storage and some ROM for utilities and some memory expansion.
Old and/or hardcore users need a floppy (they have a lot of disks which need to be copied to modern storage and/or they like the nostalgie of floppy drives
), but then with everything with possible, Turbo EXDOS (HD support), etc
floppy emulator is also possible, just for fun
So I suggest one popular card with CF/512K Flash ROM/512k SRAM/Dallas RTC (with built in battery). This can be cheap because it isn't too complex.
And later all-in-one full extra deluxe solution for the hard core users.