You're right. But it's a mix of what I need for work and what I need as a hobby. I don't know how I could earn money with my macro pictures. Unless taking photos of jewelry, but I don't want that, I want to take photos of spiders and all kind disgusting tiny world.It's hard to recommend stuff for you, because I think you're trying to do everything. It's expensive generally to do everything especially if you want to do it well. I don't even own a lens anymore that is longer than 100mm. But that is also because my gear is narrowed and specialized to what I'm trying to accomplish and I don't need anything else 99% of the time. And for that 1%, I can just rent it (although I'll admit, it would be nice to have the 70-200mm f/2.8 GM in the bag).
It sounds like you're just going to buy the store. So if you have the money, and you're going to utilize all that glass on a consistent basis, then go for it.