Hope you don't mind me jumping in as I found this site by accident.
I am a dispensing optician and can give you some accurate advice.
Polarised lenses will cut out reflected glare off of horizontal surfaces such as the road. This is especially great when the sun comes out after rain. I am not aware of any polarised lenses that are faint enough to be driven in at night legally (sorry AMumInScotland).
The maximum amount of tint you are allowed to drive with a night allows 85% of light to travel through the lens and this will be a very light 'cosmetic' tint and will be of no use when the sun is out and bright.
Photochromatic lenses work for some and not for others tbh; someone said, quite rightly, earlier that your windscreen will filter out some of the UV that activates the lenses although the manufacturers are trying to improve the functionality in cars with some success.
I have Maui Jim sunglasses for the bright days and I wear Drivewear (a polarised transition lens) on the more overcast days and I swear by polarised lenses too.
So, going back to the OP's question 'Which lens type(s) should you go for?'
That really is impossible to answer properly but here are a few things to consider;
- How often are you going to wear them? All the time then maybe it is worth spending a bit more on them.
- Is this your first pair of specs? If so, then I normally advise to get something cheapish as you really don't know what suits you (both visually and cosmetically) and when you do then you can then maybe get another pair and keep the first as spares.
- Re: Sunspecs; Do you like to control when your lenses are dark? Do you want to carry around a second pair?
You're right, it is a minefield and that is why you have people like me to help you decide. Whatever you do, make sure you are having your glasses dispensed by a fully qualified Dispensing Optician (not one of them fancy Ophthalmic Opticians, we like them to stay in their exam rooms where they are best, lol).
Hope that helps and sorry to waffle on for so long.