OIC,
well, if you need the drill for concrete then by all means get the first one you posted.

It will easily drill almost anything else, steel, aluminum, wood etc.
Just make sure you use the Hammer function only when drilling concrete. And use the special concrete drill bits.
That function should have a switch to select Hammer or Not Hammer.
The only down side is, if using it for drilling small precise holes in light materiel such as aluminum, or even steel and wood,
it may be a bit bulky and heavy and so be hard to guide when you want a precise hole.
For this reason I actually have several drills, each suited for different functions.
My favorite for drilling precise holes in aluminum is a tiny 350 RPM cordless.
Very light and easy to handle.
But of course not suited for large holes in heavy materiel.
If you can only afford one drill then get the biggest most powerful that you anticipate needing.
It can be used for smaller jobs of course, just might be a little awkward for those jobs.
It always helps to clamp your work piece down, or put it in a vise.