I'm afraid there isn't really a "one-stop solution". As you already noticed, all the different backup types have different goals, all of them have their pros and cons (see also our backup tag-wiki for an overview):

• while a Nandroid backup covers the entire system at partition-level, it's not the easiest when you want to only restore parts. On its own, it's an all-or-nothing. Luckily, there are other tools which can deal with those backup files: you can restore single apps with Titanium Backup, and even read single files from them (see: How do I view/mount nandroid file on device?).
• Titanium Backup covers almost everything on an app-and-settings level, and can read from Nandroid backup files -- but it cannot create a full Nandroid backup. Also, restore between different ROMs can be a little tricky (but that applies to all solutions), at least when it comes to system files. Still, it does a good job even then when using its "migration mode"
• ADB backup is a good thing, but only available with Android 4.0 upwards and also restricted to "apps and settings". Additionally, it requires a computer to attach the device to for backup/restore. The latter can be avoided using apps like Helium - App Sync and Backup, which run directly on the device and use ADB as backend.

I found the best solution on rooted devices is a combination of Nandroid (offered e.g. by ClockworkMod Recovery) and Titanium. For non-rooted devices, choices are rare: neither of the two are available there, which leaves the user with ADB backup as the only half-way complete solution.

I'm afraid there isn't really a "one-stop solution". As you already noticed, all the different backup types have different goals, all of them have their pros and cons (see also our backup tag-wiki for an overview):

• while a Nandroid backup covers the entire system at partition-level, it's not the easiest when you want to only restore parts. On its own, it's an all-or-nothing. Luckily, there are other tools which can deal with those backup files: you can restore single apps with Titanium Backup, and even read single files from them (see: How do I view/mount nandroid file on device?).
• Titanium Backup covers almost everything on an app-and-settings level, and can read from Nandroid backup files -- but it cannot create a full Nandroid backup. Also, restore between different ROMs can be a little tricky (but that applies to all solutions), at least when it comes to system files. Still, it does a good job even then when using its "migration mode"
• ADB backup is a good thing, but only available with Android 4.0 upwards and also restricted to "apps and settings". Additionally, it requires a computer to attach the device to for backup/restore. The latter can be avoided using apps like Helium - App Sync and Backup, which run directly on the device and use ADB as backend.

I found the best solution on rooted devices is a combination of Nandroid (offered e.g. by ClockworkMod Recovery) and Titanium. For non-rooted devices, choices are rare: neither of the two are available there, which leaves the user with ADB backup as the only half-way complete solution.