A flat top with the weaver gas block gives you the most choices for everything down the road, from optics to tac lights, etc. The FSB won't cause any problems, but the rail style gas block would enable you to use a flip up sight, if desired.
Personally, if you actually think this is gonna be your last rifle (HA HA), then I'd build a 16" with no muzzle brake, and take the $100 you save by not getting the M4 and put on a rail front end...the Yankee Hill one would fit in your budget, I think. You don't *need* a chrome lining...if you're not slogging through the jungle where you can't clean and lube it for weeks at a time, then yes, you need it...but it doesn't sound like that's the case for you. The non chrome lining should be a bit more accurate, but a little harder to clean.
I think the 16" is the perfect size for "grab and go", whether it's to the range, popping ground hogs, or just plinkin'. With the rail, you can mount a bipod if you need it, etc.