Am closing in on some of these same driver decisions. I haven't tested all of them and obviously don't have all of your personal experience, so it is hard to say.
For most, it seems unnecessary to upgrade to the L103 driver because you/me/we are not competing for credits in ready go's all the time. Yet, I would say there is a reason Fmagnets, Young46, and others carry the longer driver.
That 2 yards that everyone dismisses from what I have read and been told by others playing this game for years is... that with a higher end ball as well as the increased carry that 2 yards can play more like 10 -15y. Yes, technically 2 yards is not a big deal. It is how much longer it plays in actuality that really matters. I don't have the numbers on this so I can't say exactly, but this is my impression on why there is a difference and why someone may consider the upgrade eventually. It also depends on how you play the ball you use. I have used a L11 Srixon ball and hit comparable tee shots with my current driver compared to those carrying a L98 R1 and a higher end ball with a tail wind. But gives us a headwind and now I am 10-20y behind them.
My personal preference and what I am going to try and do is match my meter speeds as much as possible. The reason I am choosing to do so is because I do not seem to be a high frequency "ding" player. I am hoping/trusting having more consistency across my bag will help. Given you hit your driver, irons, and putter the most. It is those three meter speeds that I am guessing should at the very least be the same. Your 3 wd is far less frequent so it is unlikely to effect your timing issue as much. whereas if your driver is 3.5 and your irons are 4.2, then as subtle as it is it may be a minor incremental factor in timing or dinging the meter.
I have also adapted my play to intentionally mis ding some shots so I feel it hasn't hurt my play too much.
I do appreciate everyone's thoughts on drivers though. My primarly concern with the L98 R1 is whether the med/hi ball flight will get over the trees when you choose to take that line. But I may still opt to wait for the driver that matches my meter speeds.