I do have 94 spindles sitting around.
Here's a thought to go part way with the 5 lug conversion. Put the 94 spindles on. Buy hubs from a '89-90 T-bird (same hub center as SN) and you want the smooth back type. Get rotors from 89-94 T-bird (possible for some later ones too but I didn't check), they are same diameter, same thickness and 0.008" difference in height (1.828 for SN vs 1.836 for T-bird).
The hub on the left is what you want. Second pick to show what you don't.
Then use one of the existing holes/studs for reference and redrill hub and rotor to 4-lug. Use some 99-04 PBR calipers, upgrade MC and have some better braking performance. Then someday when the urge to go 5 lug happens, just swap hub and rotor and your fronts are done (assuming using stock SN rotors)
Redrilled hub. Nevermind the caliper mount adapter, I was using an 11.8" rotor and different caliper (needed 16" wheels to clear).