You are way overthinking this. As noted, bicycle bearings are very low demand applications for grease so nearly anything will work well. The major problem with bicycle bearings is dirt and water incursion over many miles and no grease can prevent that. Do preventive maintenance at reasonable intervals and the grease you use is almost a non-issue.

BTW, 3 oz that Phil Grease tube at $3.33/oz can be had a lot cheaper in a 640 gm (22 oz) tub for about $35 or $1.60/oz. Neither price will put a noticeable dent in your family budget.