I was in the same position. The only perceptible difference between the F/X and the DS is the wheel size. I ended up with the DS because of the wider tires as I sometimes ride on gravel.
Without knowing your surrounding terrain, it's hard to tell what gearing you need, but the difference in maintenance from 1X and 2X is negligible, I would go for the cheaper in that respect.
For casual riding Altus would work fine.
But get the one you really want, because sometime after the purchase you will say " I should have gotten the other one"
Cheers