Charles, don't stress about it. If you think you'll be doing much in the way of AC current measurement, get the package with the 323. If you think you will be doing DC current measurement, I stand by my earlier recommendations. I have no complaints about my 20 year old Fluke (a pre-116 version of the HVAC meter).
If you are worried about the meter capabilities, then go with the 87V. Here it is with the AC current clamp: https://www.amazon.com/Fluke-FLUKE-87-V-Digital-Multimeter/dp/B004HDUNQ2. Yes, it's pricey, but it's hard to beat the capabilities.