Vanilla MP Swiss Ideas groups?

I'm debating which ones to choose. So surely the first idea group is merc - no questions raised here. However, what then?

merc - religious - quantity | 20% morale (35% if I form Swabia later)

merc - eco - quality | 15% discipline + 20% goods produced (with Swiss ideas)

merc - inno - quality | 55% mill advisor cost (70% with estates) + 20% mil tech cost

Help!!! I can't decide. It's not a serious mp game, just a small lobby.