Originally Posted by
inkista
No, a 24-105 won't give you "true" 1:1 macro capability. It can get within 0.45m of a subject and still focus, but this is why we like macro lenses.
Which one it's better to go for is really up to you, though. You're the one who's going to have to prioritize one over the other, and spend the cash, so you're the only one who can decide what's "worth it."
I would ask, though, if budget is that great a concern, is there a specific reason you have to go for the L lenses? The EF 100/2.8 USM Macro and EF-S 60mm f/2.8 USM Macro are also very nice lenses, and costs quite a bit less than the 100/2.8L IS. They may not be as nice, but they can get the job done and macro lenses are always super-sharp. And if you're shooting on a crop body, then maybe the EF-S 15-85 IS USM is a better fit than the 24-105L.