Three types, three different jobs
A cordless drill is the everyday workhorse for wood, furniture, plasterboard and light fastening. Compact and ready without a cord, it is often the right first tool.
An impact drill adds hammer action for brick and block. If you sometimes drill masonry but concrete is not daily work, this type is often enough — yet it is still not a rotary hammer.
A rotary hammer with SDS is a different tool for concrete and stone. SDS, impact mechanism and bits are not “a bigger drill” — they are a separate class when the material demands it.