Delta4-3 and most others here (who have far more experience than I do) are virtually unanimous in their consensus that, if you can have only one, it should be NV over thermal.
I dissent from that opinion, which might be showing my ignorance, but aside from close-range positive ID and navigating on foot or in a vehicle, I think thermal pounds NV into the dust -- oh yeah, NV is certainly better for CQB as well.
Thermal can detect heat signatures in pitch black. It's entirely passive, so illumination is not necessary meaning you'll never have to give your position away. It can detect through *some* *light* cover and camo, shadows, etc won't help a target like it would with Gen 3 NV. NV is much easier to hide from and has a relatively limited detection range, much less engagement range, compared to quality thermal.
In my particular situation, if I could have only one, I'd opt for either an L3 x320, a Pulsar HD19s (or HD38s if detection range is crucial) or on the cheaper end I'd roll with a Therm-App. Both the Pulsars and the TA have higher-resolution 384px sensors, which is great for longer-range detection and you'll be able to ID at longer ranges as well. What I mean by "ID" is you'll know it's a man, dog, cow, etc.
Lastly, in defense of my ignorance, look at all Spectre and AH64 gun-cam footage. What technology do they use almost exclusively when hunting and engaging bad guys?