I was in this position last year and went ATX. My reasoning was that if, by all reports, the ATX was just a little better optically, I would go with it. I figured whichever I went with, I’d be using it for the rest of my life, so with luck that means I’ll be looking through it for about 40 years. And I also thought I’d be using it a lot— not just for 2-3 times per year on an alpine hunt. So far I’ve been right; I use it most days at least for a little while to look at birds, game, the moon, etc and have gotten more interested in photography as a result. That adds up to a lot of time over a lot of years. After a few years, I won’t miss the extra $300-400 but might really appreciate the quality.
That has been my philosophy in purchases for a lot of things. If I’m going to be using it frequently for years, I go with the best I can get provided value is there and an actual difference in quality. If it’s only going to be used 3-4 years and/or infrequently, I’m not going to go top of the line if it means sacrificing other items in my budget.
But yeah, the option to add the 95mm later is a big plus, and perhaps BTX when my eyes don't work as well someday.