Struggling between RF USM and STM lineup as an amateur

sercheese wrote:

After a night sleep I've thought one more time, that the best option, the most optimal is combo RF 50mm F1.2 for those low light indoor situations

You mean with the lights out? An f/1.8 lens is much more practical. You'll look foolish with that big, important-looking piece of glass.

and for 3d pop near home, plus RF 24-105mm F4.0 as a light lens, for a general use, also for my wife or other people who would make some pictures of us, also good for filming.

I asked about the RF 100 mm F2.8 macro lens (MFD 26cm, 1.4x magnification). My fear is that RF 50mm won't be optimal for those close up photos of feet, nose, fingers, etc., while not being a macro lens (MFD 40cm, 0.19x magnification). Does it matter?

Have you thought about what 0.19x magnification means? Do you know what the minimum field size will be? Are you sure you need more?

Or maybe I should rent it for 2 weeks (1/5th of the price) and that's it? As I already wrote, I have no plans to take pictures of some insects or flowers in the future. Could I use it also as a tele prime for people?

You do NOT need a macro lens for people. That's just stupid. But yes, a macro lens will also take pictures of people. So will almost any other lens in the catalog.

RF 135 mm F1.8 would be quite nice, but it's just on the opposite side of my needs (MFD 70cm, 0.26x magnification). This lens would be better for low light situation in church, school, etc. so no need for it right now. But a great extension in the future, I think better than RF 100 mm F2.8 macro.

"No need for it right now." A good strategy. Just buy a lens with a normal zoom, 24-105/4, and use it. Then, once you have used that for a while, maybe you will have an idea of what you could do with another lens. But right now you just want to buy all your toys at once, even though you have no frikkin idea what you want and need.

Don't forget to give equal attention to your family.  And don't forget that they are going to want toys too.