I just went through a similar debate with myself and I just ordered 4.5 AR Disc.

Cant post a link but its one of only two threads I have made, I got some good replies.

I won't race but I do like being the best I can and to me these were the best all-round wheels for me and they are expensive but you only live once! I seem very heavy for a cyclist at 98kg and pretty lean so the lower PSI, 28 will be good for me!