Yup if you don't have the modulation then you are back to cycling to achieve less than the max effective output. So being able to consume the maximum output in big lumps (i.e. with a store is better)
Many oil fired boilers are fixed output, although you can get some modulating ones. Often the modulation range is not as wide as with gas though. Misteral seem to do quite a number.
Grab a copy of the free SEDBUK database of boilers from SDA here:
It is unlikely to ever be fully loaded on heating alone. HW water is the place you can sink big outputs in a short amount of time.
Remember however that efficiency is better when condensing, but it is not a magic bullet - if you stop condensing there is not a big step change. The condensing boiler will still be more efficient that its conventional sibling simply by virtue of its better heat exchanger design.
Possibly, I would focus more efforts on getting the type of system performance you want first, and then the best economy within those parameters second. Otherwise you will always be a bit dissatisfied with the system, and knowing that "at least it is as cheap to run as possible" may not offer much consolation.