Trying to decide on my next folder and looking for input. My apologies for the long winded post and preamble.

Got into the folder gig a year ago and bought a Mariner D8 for the wife and a MU D8 for me, as we are RV’ers and wanted something compact and portable. Decided to give the Mariner to my (adult) daughter, the MU D8 to my wife and get something a bit more speedy, performance oriented for me. I have a Specialized Tarmac Comp but I’m just not comfortable with my neck position on it so it sits in my stationary trainer for shorter workout sessions.
I’m turning 64 and push the bike hard but I’m not going to ride a century, enter races or anything like that. I am 5’10”, 180lbs and fit for my age. I live in Richmond B.C. which is flat and lots of designated bike paths. When we travel, the terrain changes of course but 80-90% of my riding is flat and paved.

Bikes I am considering so far are:
New - Tern Verge D9 $900 usd
Used - Dahon Speed Pro TT $600 usd, mint. Likely will sell around $500
Used - Dahon MU SL $500 usd mint. Likely sell for a bit less.

Two of the above have the 451 wheel set. The Speed Pro TT however intrigues me. Mixed reviews on the bike I understand, and replacement parts are a problem, but I hear it’s fast.
I just stumbled on a used late model Dahon MU SL10 and my limited research so far looks very positive.
(As an aside, Dahon and their continuous model turnover is frustrating. Hard to keep track of them all.)

As of now I’m leaning towards one of the 451 bikes. Big jump in price to move up to a new Verge P10 and disc brakes however I’ve never had disc brakes so can’t comment on the cost/benefit.

I’ve checked out Pacific Cycles Reach with the 451’s but now we’re talking $2500 usd plus duty, freight etc. and can’t see or ride one before deciding.

I’ve looked at BF but I do like a compact fold and again, its pushing beyond what I want to pay for a folder.

I’ve also considered upgrading the components on the MU D8 and decided it would be more cost effective to just get another bike.

Does my preference for 451 wheels make sense?

Comments on the three bikes I’m looking at, or anything else under $1000 usd price range?

Thanks!