Overkill? What's overkill? Yeah , those fEARfull cabs are great. They are also pretty expensive if I recall correctly. I wouldn't mind having one but right now I can't afford one.
You are not in Canada , you are near Lancaster and most clubs there and even some outdoor venues that you might play (firemans carnivals etc.) will not have PA support.
Get the 810. If you don't mind schlepping it around , you will fall in love with it. I have 2 10's , 2 15's , 4 10's and 8 10's. I almost always use the 8 10. It just sounds better than any other cab I have.
Too loud they say? Uhhhh , there is a volume knob on your amp. I guarantee it. Oh , and if you DO mind schlepping it around , I'm 61 years old. What's your excuse?