Your going to get alot of opinion on a question like this and alot of personal preferences too. Every rod reel system has a drawback, baitcasting reels might birdnest. Spincasting systems are prone to line twist. Fly fishing gear is specialized and not for beginners.
So, in my opinion, the best multipurpous reels are spin casting reels, with a drag on the spool and no auto bail release. This makes the spin casting reel as mechanically simple as it can be so there are fewer parts to break and wear down and this makes the reel last longer. the most rugged and durable spinning reels made are the Penn ss series. While you'll be fishing freshwater, they probably are the only spinning reels designed to take a saltwater dunking without complete breakdown and re-clean. My wife's one Penn 440ss has outlived 3 reels I've bought for myself and I only recall actually taking it apart twice to clean it and once was just to pacify myself not because it really needed it. Note, if your a Penn guy looking for a testimonial, I'll expect some money

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The most important thing about the rod are the rod guides and the reel seat. Make absolutely sure that either the reel seat mechanism is made of metal, or that if it is made of plastic that it is the type where a tapered front grip is all one piece and screws over the top of the front reel brace, and the back is just a notch which catches the back reel brace. I've had too many brand new rods break at the reel reel holding rings when I tightened the screws because they were made of brittle polystyrene instead of nylon. If you can spare the expense, I highly recommend a high dollar graphite rod. They are just so sensitive, that often you can tell just from the feel what fish is biting, and if your not setting the hook you can change your tackle or lure presentation to increase your catch.
I feel that spin casting tackle is more versatile than baitcasting for the following reason. With a good spinning reel and rod you can get extra casting distance with lighter lures and tackle than with bait casting, which is a requirement for open water wade fishing. There are times, when the water is very clear, and the sun is shining bright, that only lighter smaller lures on lighter line draw strikes for all species, and if you have heavy 15 lb test and 1/2 or 3/4 oz lures you just don't catch as many. Not only that, but some lures were specifically designed with lighter line and spincasting systems. If you happen to hook the occasionally extra heavy fish you can allways play it to the landing net, but not if you don't get a bite. I hooked and landed large bass on 1/8 oz jigs and 6 lb line when I thought I was fishing for bluegill. I caught alot of bass that day on those stupid tiny jigs.