I would add a third option to consider which would be Clareon monofocal lenses targeted to mini-monovision. This is when one eye, usually the dominant one, is targeted to distance, and then the non-dominant one is set for near vision after the distance eye has healed.
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Mini-monovision is something you can simulate now with contacts while you still have good enough vision to see what it is like. You correct your distance eye to plano, and under correct the near eye to leave you -1.50 myopic. This allows you to see a full range of vision without the side effect of a multi-focal lens like the PanOptix.
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The only more difficult vision requirement I see in your list is reading text in dimmer light. For that you may need reading glasses. I have a friend that reads a lot and has PanOptix in both eyes. She uses +1.75 D readers for reading books. She also does not drive at night due to what she describes as huge halos around oncoming headlights. I have mini-monovison with my near eye outcome of -1.60 D and for reading very small print in dimmer light I use some +1.25 D readers. I seem to be much less dependent on using glasses than my friend with the PanOptix is. I do drive at night in the city without glasses, but if I am going on a long trip with driving at night in the country I do wear my prescription progressive glasses. That is about the only time I ever use them. The rest of the time I just pick up some readers when needed, which is not often. I see my computer monitor, iPhone, and watch without them.
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Your photography requires some thought. You will want good distance vision to do TTL focusing, and near vision if you are composing the image on a screen on the back of the camera. PanOptix and mini-monovision should handle that. With monofocals both set to distance you will need reading glasses or better still progressives to see both TTL and the back of camera.
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If you are doing digital darkroom work, I would recommend getting lenses with blue light filtering. Some mistakenly think blue light filtering changes the colour balance away from normal. It is actually the reverse. IOLs without blue light filtering provide an unnaturally blue balance, while the blue light filtering in the Alcon lenses return your colour balance to that of a young adult.
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If you want to go down the mini-monovision road it is best to do the distance eye first, and then simulate the final mini-monovision with a contact in the non operated eye only. It also allows you to use different powers of reading glasses in the range of +1.50 D on your monofocal eye set to distance. The IOL eye will have no accommodation and this is a closer simulation of what you will get with an IOL set to -1.50 D. At age 50 even though you have some presbyopia you likely still have a lot of accommodation. This gives an overly optimistic view of what near vision you will get for a given amount of myopia. And, if you do the distance eye first you also keep your Option 1 distance in both eyes open as an alternative if you do not like mini-monovision.
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Here is a link to another thread I started on mini-monovision. It is best to consider all views about it, and I encourage a trial to find out what it is like for you.