I've used DirectTV Now because the people at the ATT store said I get it for 3 months for $10.
So I tried it for 3 months. And, if I was interested in watching TV, it would have been worthwhile. But since I found I had used it 5 time in three months, It wasn't worth the price.
It had the major channels that you required. Not sure about Fox Business, but AMC and the like were there. I think you can skip commercials, but I didn't use it all that much so I can't say much other than it appears to work like normal TV.
As another option for you, we subscribe to "CuriosityStream" which was created by one of the Founders of the Discovery Channel. (Mike Rowe hawked it on his facebook, which is how we discovered it. He's done the narration for one of the documentaries made especially for the service.)
If you're interested in Documentaries, it's an amazing service. (And better than the discovery channel, IMO). We have Sundays as our documentary day in our house and they have so many options, we will never see all the ones that interest us. (And many that don't interest us, as well, but other people may find them to their liking.)
As an example, I started watching a documentary about a volunteer-run, narrow-track, steam railway in Wales last night. Just random history about a small project to save an outdated railway. Very good production, used some original footage from the people who worked to save it and some good history of the area in Wales. Great visuals of the little steam engines, as well.
As I'm usually watching with the children, it's almost always nature/animals/geography/dinosaurs that we watch. Most have been excellent. There have been a few that have just been "good", but so far I haven't found a bad documentary.