I am planning to go with the softopper top for the truck. My use is going to be like you described. It will mostly be put away in the garage except for when its raining or i need to carry something I want a cover on.
I have decided I dont mind just sleeping under that as well if I need to sleep in the back of the truck. Most likely I am going to end up with a tent trailer at some point for the wife and munchkin to be comfortable in
Thanks for all the input!