In my opinion, what you need is a primary reel. It will give you plenty of line to lay out in lower viz conditions or hard to navigate areas/wrecks, but it will also serve in shooting a SMB or bag very well. If night diving, it's beneficial to tie off directly to the wreck and follow the line up. Doing a drift ascent in the case of a lost anchor is not a fun thing unless you feel like pushing your luck. You should have lights to signal with, but WHY complicate things more. Remember, if you're going to tie off directly to the bottom, you will need a lot of line. In just a slight current, at 100ft, you will require way more than 100ft of line. The primary reel is the best choice for you, IMHO.
There are several styles, mostly being the traditional with the big protruding handle, or the sidewinder style. After owning both, I prefer the traditional. The sidewinder is just a pain to use, which is contradictory to their whole idea. Plus they're incredibly expensive.
There are several brands. I have dive-rites, which a lot of people complain about being junk. I don't have a problem with them. Even in cave training when I embarrassed myself, I still didn't birdnest the reel. Practicing good technique(i.e. keeping tension on the line) is all it takes. And if it does birdnest, you just reel it up like a finger spool and figure it out on the surface.
I would guide you away from a cavern reel. They only have around 140 ft of line, which won't give you much line to lay out if navigating and will limit your ability to shoot bags from a deeper wreck. They're made for cavern divers, and have specifically 140ft of line for a purpose.......to keep cavern divers from over-penetrating. They're not meant for your purpose. If you got one laying around, sure, why not take it, but don't go out and buy one unless you're taking a cavern course.
A finger spool is wholly inadequate for your requirements. They've become very popular among ocean divers for some reason. I think it's being able to say you have *something* without actually having a useful tool. They're cheap, under $20 or the halcyon cold water spool is around $40-50. The reason I think they're inadequate is that you're not going to be using them for navigation, and they severely limit your ability to shoot bags from depth. Not to mention they're going to be a PITA to hold when you've got a bag shooting for the surface like a rocket. I've got two, but for it's intended purpose......a safety in cave diving and second jump spool. Even for that I've also got a wilson-style fully enclosed jump reel, small profile, jam-proof, but is a hell of a lot quicker and easier to use, without the hand cramps I'm prone to with a finger spool. Again, these tools belong in penetration diving, not what you're doing.
I've got a dive-rite sidewinder primary if you're interested
My point being, get a primary reel. It's the right tool for your needs.
