I seem to remember Bob the thread guy saying that there is no difference between the top stitch needle and the metalics needle, apart from top stitch are packaged in the larger sizes and the metalics in the smaller sizes.
But no there is not a 'one sort suits all'.
That said, personally I tend to use an 80 universal for most things, and go down to a 70 for fine cloth & thread, and up to a 90 for shortening jeans. I don't do machine embroidery per se, so I cannot help there. I switch to a ball point needle when I am sewing knit fabrics - I also make & alter clothes as a sideline.
The main biggy is to make sure that you match your thread size to your needle size and vice-versa, and if you are starting to get skipped stitches it is probably time for a new needle
What you probably really need is a small box or two to store your packets of needles in, in an orderly fashion, so like is next to like and they progress in size, that way you can easily find what you are after, and see what you have in stock.