I sure hope they’ll be endgame, but I’ll love their dynamic and ship them no matter what! If those other ships you mention happen and Finn and Rey remain platonic, the Finn/Rey friendship will still be the most central and interesting anyway. Finn and Rey were the beating heart of the sequel trilogy from the first, and while it would be nice for them to be a couple (a healthy romance, interracial relationship and so on), who they “end up” with romantically is largely peripheral.
This is in large part because neither of the romantic prospects you mention is particularly enticing to me, and would be more of a “Well that happened too, I guess” than anything I’m particularly interested in. Poe and Rey saying hi is supposed to be more romantic than Finn and Rey striving and pining for each other throughout two movies? Rose assaults Finn when they first meet and the novelization shows her having extremely creepy urges to hurt him even more for thinking about Rey, and I’m supposed to think that’s romantic?
I mean if that’s the way LF wants to push things for some reason (hint: racism) then that’s their prerogative, but to me Finn and Rey will be the better relationship, whether as a friendship, a romance, as comrades, as co-heroes, and any level that exists or has yet to be invented.