Plain and simple: If you install an accelerator you will loose some compatability. The game companies made stuf for an A1200 that was stock, thas what they all expected people to have. When you start building up, things crash.
I would keep your A1200 stock, then use the money you plan to upgrade with to buy an AmigaOne or a Pegasos. With OS4 so close and MorphOS on release 1.4 you cant go wrong! My personal choice is a Pegasos II G4.