Thanks for putting this together, it's the most useful comparison I've seen.

Full disclosure first: I make one of the options in the category you left out, self-hosted stores. It's called Alien XY (alienxy.com). So treat this as one view, not a neutral one.

To your "web app or plugins?" question, there's a middle path: run a ready-made store on your own server with your own Stripe account. Then the only fees are Stripe's, so close to your "Stripe on its own" row (about 4.3% on your mixed basket), with no revenue share on top. Alien XY costs $199 or $499 one-time, or $39/month if you want it hosted for you. It comes with licence keys and activation, file delivery, coupons and affiliates already built.

The catch, and it's a big one for you: it isn't a merchant of record. You'd be the seller, so VAT and sales tax stay your job, same as plain Stripe. Since you've said MoR is a must, it probably doesn't fit your case. I'm mentioning it for people who are already registered for VAT, or who sell mostly in places where that's manageable, and would rather not hand over 7 to 15% for good.

Happy to answer questions here.