I've used WSF for 9mm, it's actually my prefered powder.
WSF is good stuff in 9mm, my favorite as well.
I discovered WSF in the last shortage when it was all I could find that had listed loads for 9mm, sure glad I tried it.
It works in .45 but I prefer something a little faster burning there. (or I should say my pistols prefer....)
You mentioned W231/HP38 if you can't find W231/HP38 Ramshot ZIP is close IMO, but it is a different powder
I don't own a 10mm, but if I had to pick one powder for 9mm, .45 and .357 I would probably go with BE86 or maybe Universal.
For 9mm I prefer powders around the middle or slow side of the powders used for 9mm -. WSF, Silhouette, N330, CFE-P (some people really like BE86 for 9mm, my 9s are just so so with it)(been meaning to try AA#5 in 9 just haven't done it yet)
My .45s like HP38/W231, N320 and AA#2
There are quite a few powders that will work in both 9mm and .45 (and also make light/mid .357 loads).
I don't see most of these powders listed for 10mm but do see them listed for .40SW. I don't know but one would think if the could be used in .40 they could be used to make .40 power 10mm loads, but I may be out to lunch on this.
I understand the goal to have one powder for both 9mm and .45 but feel you would be better served with 2. MY 9s and .45s prefer different things, of course all guns are different., heck my 9s can't agree on what they each like best. (but what works best in 1 seem to work well in all the others, just not best) In a pinch most anything you could use in one could be used in the other and most likely be used for light/mid .357 as well.