My vote then for the OP is M&M. As he seems to be leaning toward it.
I'm not surprised Hero Games is in such financial trouble. Unlike Pathfinder which is very popular. Both the devs and hardcore fans of the system vastly overestimated the popularity of the system. While good production values help. It's never really been about that. The complexity and sheer size of the rules when more rules lite and smaller RPGs can do the exact same thing IMO. I get they wanted to keep the fans happy. Yet with 6th edition they pretty much ignored any feedback thst involved any major change.
Already some fans were not sure if buying 5E because of its size. They made it two books and twice as expensive. With very minor changes simply not worth the upgrade IMO. Even Gurps 4E feels similar to me at least. Then again SJG has extra money from munchkin also coming in.