The first thing you should do is concentrate on teaching yourself to work with film again after a 20+year hiatus. Therefore, it is best to just pick a film and a developer and work with it until you are back in the swing of things again.
You should certainly put some thought into your choice of materials. Any smart person would. But, in the end, don't labor the point too much. Just pick a good film and a good developer. Don't worry about the details too much... Yet...
T-Max and D-76 is a good combination. They are easy to get where I live. They are well-known products. They behave in a well-known and predictable fashion. There are pros and cons to this combination, just as there are with any combination but your main concern is to re-learn film, not to be perfect the first time out of the gate.
A gallon of D-76 will process 10 or 20 rolls of T-Max film, depending on your film type, dilution ratio and the developing methods you use.
Once you have gone through this first batch of film and developer, gather together all the film you have developed and all the prints you have made from it.
Get yourself a six-pack of beer or a bottle or wine or whatever your preferred beverage is then sit down and look at all of your pictures.
Just look at them... Look at them in one big group. All together. Compare different pictures and rolls of film to each other. Decide what you like and don't like about your pictures.
Think about your exposure. Think about your development process. Think about your shadows and highlights. Think about your contrast. Think about overall tone. Think about grain and sharpness. Just analyze your pictures and decide what you like and what you don't like.
Once you have it set in your mind what is good and bad about your pictures, go out and get one more batch of film and developer. Do the whole thing all over again.
This time think about what you would like to change in your pictures and try to effect those changes using the same film and developer you used before.
Maybe you could change your exposure. (I like to over expose by about 1 stop. Sometimes more. Sometimes less.)
Maybe you could change your development time. (I like to develop for 85% of the published time in the data sheets but sometimes I change that too.)
Maybe you could change the way you agitate the film. Maybe you could change something else. Whatever you do, tinker with a few things and see how these changes affect your finished product.
Now, you have TWO big batches of film. Get everything together and get another bottle of wine. (I prefer beer... Chimay, to be exact.)
Do your comparisons again. Make your decisions about what is good and bad. Develop a list of two or three questions like "How can I improve detail in the shadows?" or "How can I make my images sharper or less sharp?"
Just come up with some tangible observations and some questions based upon them.
Then, when you have that, come back and tell people what you found out and ask your question again.
The reason for all this is because there are 1,000,000 different combinations of film and developer and methods of processing that you can use. Each one of them is just as valid and useful as the next, provided you know what you want to achieve with them. If you don't know what you want your film to do for you, it will be difficult or even impossible for you to decide what is the best combination for your purpose.
I started developing film again just about 6 months ago. I started out using T-Max and D-76. I got good results but my pictures weren't "just right." I tinkered for a while then I changed to Legacy Pro (Fuji Neopan) and I developed in XTOL. Now I get some really tasty pictures that are easy to print. I've been using that combination for 3 or 4 months, now and I'm happy with the results. I have a bottle of HC-110 on my shelf which I bought just for experimentation purposes and so I could have a readily available backup handy in case I needed it but, as of yet, I haven't even opened the bottle. The film and developer I'm using now work well enough for me that I don't need to use the HC-110.
So, that's my answer... There is no answer except for the answer you provide for yourself.
I guess it's some kind of Zen thing...
