I do pretty well everything except chef's knives, paring knives, and the occasional chopper on my 12" wheel, I love the thing. Mine is a Bader wheel, I prefer them to kmg wheels in my experience.
My flat grinds are finished on a Platten, as were the flats on all of my blades before the surface grinder. I still do flats on the Platten at times depending on the knife.
A surface grinder is a nice to have but not a need to have, unless you're making folders. In which case it's not 100% essentially, but isn't too far off
I've tried flats on a wheel, and it's never really worked for me.