Spinning vs. Baitcasting (IN to CO)

Hello everybody,
I am new to the group so sorry in advance if this question has been
asked over and over, but hopefully my question is unique. I currently
own an Abu Garcia Cardinal 504 spinning reel and mostly fish for Bass
and Crappie in lakes. I am thinking about getting a second reel (with
the idea of getting a third down the road). I was thinking about
getting a nicer spinning reel (around $200 max) now and later in the
year or next year getting a baitcasting reel. I was wondering if you
guys recommend one over the other for the type of fishing I am doing.
Also I would like to avoid ending up with three reels that retrieve at
the same speed, with the same power etc. That said, do you recommend
buying the spinning reel with a low gear ratio and a baitcasting reel
with a high gear ratio or vicea versrsa (or does it even matter)? My
idea was to end up with three setups that can be used in different
conditions. Good Idea? Finally, I currently live in IN and am soon
moving to CO. Anything I should consider for the change in the type of
fishing I might be doing in the future? Sorry for asking so many
questions, hopefully if a few people each take on a couple of them
eventually they will all be answered. Thanks for the advice guys,
Tyler