Either one of those will work. They might be overkill but I like your theory pay more now and get many years out of it.
I can only deal with phone gps for local shit but when I am going places I’ve never been I much prefer the window mounted.
That’s what I’ve have I think. Like I said I’ve used it in different city’s all over the country from Jacksonville, to Denver, to my Green Bay road trips and have no issues. Depending on your car and dash the dash pad may be better, I use the window mount and usually put it by the passenger sun visor tight against the rear view mirror.