These are vinyl windows, I'm putting trim over the framing between the jambs. Between each window is 2x 2x4, some are countersunk, but some stick out so the trim needs to be cut so it fits over and is still flush with the windows. This is a sun room, with 3 walls of windows. After thinking about it, the 1" bit with the top bearing seems more useful, as the bearing could be ignored/removed when not needed. The main downside of this router is it's only 1/4" bits.
I didn't build the room, I just rebuilt it, so I have to deal with the idiosyncraties of the framing.
Basically yes, I'm making a 1/4" deep x 3 1/4" wide dado. I know the 1" bit is overkill, but it seems like the flexibility of having the bearing for the future plus the deeper possible cut is nice. The other bit is only 3/4" tall but it has the engraved depth markers. 85682MC vs 85232MC.