Bama,
I live in TN and just spent several months researching metal detectors. I went into it with the same desires as you as far as what I would like to use it for and am also new to the hobby. I found that there are only a few detectors that are truly all purpose. They are either coin/jewelry or gold prospecting. What makes it even harder to research them is that users are either/or also. Very few people can afford more than one detector.
I narrowed down my choices to the White's MXT and the new Minelab Xterra 705, which is replacing the Xterra 70. The MXT has been around for a while and it was easy to find reviews and information on it. Very few of the reviews were bad. I could not find much info on the Minelab and found mixed reviews on it's predecessor. The Minelab has 3 available frequencies but you have to physically change the coil to change modes (it only comes with one coil). With the MXT, there is a 3 position switch to change modes. In the end, my choice came down to money and I bought the MXT.
In my shopping, I found that Kellyco (a sponsor of this site) has a BOGO sale where you can get a cheap second detector for a low price if you buy a detector from them. I ended up getting the MXT and a Bounty Hunter Pioneer 505 for less than the Minelab's sale price. My wife hasn't shown an interest in the hobby but in case she changes her mind, I'll be ready.
I've only had the machines for about a week and have not been able to get out and start using either one yet. I can, at this point say that the MXT is very easy to learn to use. White's has videos on their site that really helped me understand how to use it. I think I will be very happy with it and not feel the need to upgrade for quite some time.
One last plug for the MXT. White's has a bonus bucks special right now. With mine, I was able to get a 4X6 DD coil that I will use for prospecting.