Total Hackintosh noob, willing to go the hard (VM) way

Hello guys. First time posting in /hackintosh.

So my workspace is tight, and I bought a new computer (still on it's way) and the intention is to use it to host two VMs, being one Windows and one MacOS, so me and my wife can use the same computer simultaneously.

It's an AMD Ryzen 9 3950X, motherboard is an ASUS ROG Strix X-570-e. I read it had good IOMMU groupings. 128GB RAM and a Vega 64 LC and an eVGA 2080 Super FTW3 Hybrid. The plan is to passthrough the Vega to the MacOS VM, 2080 to the Windows VM. I am aware I'll have to emulate the Vega BIOS and stuff, and that my host machine will be totally headless because it won't have any VGA remaining for it, and that I'll have to set the AMD as the primary VGA for the boot up and so on.

I would like to, if possible, pass-through one USB controller to the MacOS VM (maybe the one with the USB Type-C, so I can use my TB3 dock and it'll be much more comfortable for my wife to plug her peripherals). I'm also planning to get some Broadcom WiFi+BT card (AirDrop for the wife, she uses it a lot).

Also, I want as much performance and as much stability (minimal headaches with upgrading OSs and things breaking and so on - though I know I might run into a few headaches once in a while).

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Now onto the questions...

First, OpenCore vs Clover vs ...?

Passthrough the nVME or go VFIO? Performance-wise, any noticeable difference? The catch here is that I have restrictions on the availability of PCI-e slots - the lower VGA will cover the lowest X1 slot, so I'm anticipating I'll only have a x1 and a x4 available. Would it be remotely possible to stick a PCI-e to double m.2 adapter, put on an nVME on it, and a mini-PCIe to m.2 adapter on the wifi card and stick it to the other m.2 slot, and then pass the whole thing through to the VM? Would the VM pick up the devices and work? Any chance MacOS won't like them being on the same IOMMU group or something?

Is there any possibility to enable Airdrop by any other means (maybe some emulation without passing through)?

I have a 2011 iMac that I can get the serial from (to use iCloud accounts and so on). Should I also use the 2011 iMac SMC dump and stuff, or there wouldn't be any problems mixing serials and Mac hardware versions? Would I have problems updating the OS with such an old hardware ID? Or I should just relax and use a more modern hwID with some leaked serial without worrying about having my iCloud account banned?

Any recommendations on the hypervisor? Manjaro? SSD would do, or better have an nVME for fast swap?

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I'm also open for discussion and other solutions, though.

Thank you for your patience, I really appreciate.

Best regards!