Camera recommendation

Hi everyone,

​I’m looking for a versatile camera for my upcoming trips with my girlfriend. We are traveling to Zanzibar soon, so it needs to handle underwater filming (snorkeling).

​However, we want an all-rounder that is just as practical for future trips to historic cities and capturing sunsets, rather than just a dedicated "adventure" camera. We are looking for something reliable that we can keep using for years to come.

​Since we travel once or twice a year, we want to be mindful of the investment, but we are willing to pay for quality if it makes a difference. Based on my research, I’m considering:

​DJI Osmo Action 4

​DJI Osmo Action 5 Pro

​Insta360 Ace Pro 2

​The Action 4 is currently about €100 cheaper than the other two. Does the improved performance of the newer Pro models (especially for low light and city landscapes) justify the extra cost?

​Also, we are open to other suggestions if there is a better fit for this mix of snorkeling and urban travel.

​Thanks for your help!