A TU 8030/8038/8040 would be the best for what your looking for in regards to price and programming complexity.
I use MCS2000 M2's for my UHF-CBs and they are a brilliant radio but a bugger to program until you understand the cps layout. I have an XTL5000/03 (same flash/profile as NSWRFS radios) in the car for RFS + local VKG Z1&2.
The above radios are best for receive if your DTZ uses conventional voting rather than GRN as they will vote with rx only frequencies unlike a scanner. The MTS2000 M2&3 make a good portable but you might be better off with something like Tait Orca. Forget the Syntrx's as they are getting old and many do not support 12.5khz spacing. Also they are limited in bandwidth and will not do RFS+CB for most areas.
As for tx ability on private radios for RFS networks ..... DO NOT GET CAUGHT! I was using mine for a bit when I was senior in my brigade and a blind eye was turned (loose lips sink ships) but now comms are getting very savage with privately programmed radios (so I found out after requesting availability of the codeplug).
Also, in the last lot of upgrades and reprogramming, comms were looking for RFS radios that had been modified/reprogrammed. One was caught here locally I believe. Due to unauthorised medling, most RFS areas are only allowing RFS issued gear which is being monitored.