OK, opinions please - my final choices are:

wide - panasonic 12mm f2 or panasonic 20mm f1.7
portrait - panasonic 45mm f1.8 or olympus zuiko 45mm
long - panasonic 100-300 or sigma APO 70-200 f2.8

The long lens is mostly for stills or surfing videos in bright light.

Would appreciate some feedback before I unleash my credit card.

They're all good lenses. If you're in bright light, also consider the Panasonic 7-14 and Sigma 50-500 (Nikon or 4/3 mount).

Of those you've listed, I'd get the 12, Panny 45, and 100-300.

I have the Panny 100-300, great lens for stills and video. AF works well enough for most subjects except the most erratic/highspeed.

The 100-300 it is, thanks.

If it hasn't sold yet there's a 20mm for sale in the classifieds. If I could only have one lens, that would likely be it. I like the 12mm more, but for general purposes the 20mm is more useful, and better in low light.

You know, I just shot with the 20mm last night as my handheld lens for a reception. I've not used it for ages as such. After using the 12mm for a couple of months in that way, I was struck with how much slower and less accurate the auto focus can be on the 20mm. It worked, and I got a lot of great images, but there is no comparison to the 12mm and 45mm autofocus, they are so much better. To clarify, I'm not tallking about Continuous Auto Focus, which I rarely use. I'm talking about focusing with the shutter button with CAF turned off in the menu.

I can't say enough good things about the 45mm. It almost never comes off my camera. I also have the 20mm and the kit lens, but will only use them if I absolutely need to get a wider shot in cramped conditions. Whenever possible I will physically move back and frame up with the 45mm.