However, I cannot find the ability to add a pic. I know this was a "nice to have" in my original requirement but Notability has this.
So far Notability is the leader. It has all the requirements plus pics and voice. I can take pics with my iPhone, use bump to transfer the pics, add them to Notability, annotate, sketch, label, etc and upload them directly to my shared Dropbox folder for the sales team to make a quote.
So far so good, any more suggestions?