It would be a 75mm equivalent which is a little short for head and shoulder portraits though fine for longer shots. It will not focus particularly close so not good for any macro. If you want a 50mm I would go for the far cheaper f1.8 version unless you particularly want to get into low light photography.
With your criteria I reckon I would go for the 60mm macro as it would give more flexibility for indoor portraits than the 90 or 105, be very good for small product macro though perhaps not as good for insect shots as the longer lenses as you would have to get physically closer to the subject which would scare them off more. Mind you I read your post to say that the insect stuff is not your main interest so that would not overly concern you. After all in the day of film
we mostly shot at 100mm for macro and got excellent results.