I have mixed oil based stain with Waterlox and found it works very well but the process was a headache ... but mainly due to a homeowner with decision constipation
Not all OMU's are created equal. Quality is a factor as well. If you can find it I recommend Fabulon OMU. It is my favorite all-round poly. (Unless you can get acces to some Resilliance "Brute" poly) For ease of application avoid anything that boasts "fast dry". Sloower dry allows the finish to help correct any rookie brush/mop work.
The issues you mentioned are basically why I like the Fabulon or Resillience. Definitely more expensive than anything you'll find at the depot but not much and way bettr quality. Both are manufactured in or around New Yourk state or just above in Canada so you may find it easier than we do here in the NW.
With h2o finish .... ever heard of pannelization (sp?) The stuff is so good and so tough sometimes to a fault. If you build up too much finish on top and your floor likes to move you may find that pannelization could occur.
Yes, on many Waterlox floors I get that grain appearance, HOWEVER, We use that as a positive. The floor is still very much protected from lifes little issues AND looks more like real wood and less like plastic. There are some clients in this world that know exactly what they are looking for and when they see what you are seeing it is exactly what they want .... make sence. Hence my earlier comment about not looking so much like a layer of plasic between you and your wood. I do agree that if that is not what you are looking for but like the rich color of the Waterlox then I might recommend A coat or two of Waterlox sealer followed by a coat or two of Fabulon. (on oak.... maybe 1 coat of WLX sealer and 2 Fabulon)
You will end up with deep protection and richer WLX color and ease of maintenance and deeper luster of Fabulon OMU and both are very flexible yet tough.
"Walk on eggshells" your first 30 days after final coat then you can put down area rugs if you wish and keep your shoes on more if you prefer. BUT no chemical cleaners first 30-40 days ... damp cloth only. (Come to think of it .... chemical cleaners, before a full cure on a finish, can result in ease of scuffing as well .... Hey Gary .... what are your customers cleaning thier floors with and how soon after your done????)
You posted:
"""On the other hand, it is November and in PA it getting a little cold. Might not be the best time of year to put down waterlox onk what is basically my whole downstairs.""""
Actually, I find that in the drier, cooler months a better time for finish work. Just more predictable to me. Heating a home is easier than cooling a home in the summer. Plus there are fewer instances where there is hot sunlight beating down on a floor through a large window ...
Just maintain 68-72 deg. temp and all will fall into place (most cases)
Have fun!!