Just to confuse you some more, I've recently become a fan of painted then clear coated timber or chipboard floors. It's the least cost alternative and looks great. Problem is you'd have to move out for a couple of days while the job is being done, but that is probably the case with most of the other options. Either move out or put up with the inconvenience of shifted furniture and tradesmen stomping in and out all day long. One way or another it is still a fairly big inconvenience, how about a few days holiday? Go away, avoid the noise, smells and stress and come home to a "new" house. By the way, water based floor coatings, rather than solvent based, are non toxic.
For a more informed opinion there are some floor layers on this forum from time to time who know their stuff, I'm just a dumb floor sander. Try sending a private message to "That Floor Guy", he seems to have some pretty balanced and unbiased opinions on the various products available. He doesn't sell any particular product, as some do, and should be able to give you some good advise.