I did something similar last fall. These aren't the easiest areas to tour without a car. I have traveled to this area in the past with a rental, but for various reasons, didn't want to solo drive on my last trip.
In the general area of MSM, I stayed in Bayeux. I used Overlord tours for a DD beach tour, but they also have tours to MSM (other companies from Bayeux do also, but I can personally recommend Overlord). Train connections in that area to small towns aren't great. Nearest train to MSM is Ponterson. https://www.abbaye-mont-saint-michel.fr/en/visit/practical-information
In the Loire, I used Amboise as a hub. Three castles walkable from city center and a historic center to explore. By train, I explored Tours, Chambord, Chenonceaux , and Blois. There are also day tours from Tours to various castles - that would have been easier than self-tour by train, but as a solo traveler, the tours I wanted didn't run for lack of numbers (2 minimum required.) Acco Dispo is the company I tried - they were great in trying to help me and I will book with them when I return with a companion next summer.
I'm not a big drinker myself, not interested in vineyards. This didn't impact my visit.
I do enjoy the differences in the chateaux - all are unique and I enjoy the individual histories, architecture, etc. If you think that chateau after chateau might be too much, you would not be alone. Many visit one or two of the larger chateaux and stop there.
In addition or an alternative to Versailles, you might find the relatively easy access from Paris to Fontainebleu or Chantilly as preferable to the Loire by public transport. (Train access, even where possible in the Loire, doesn't have ideal arrival and departure times in my experience.)
https://www.chateaudefontainebleau.fr/en/
https://chateaudechantilly.fr/en/
This is one of my all time favorites doable from Paris, but may require a taxi ride from the station whereas the above are walkable from the train stations.
https://vaux-le-vicomte.com/en/
I suggest taking a look in detail at the train connections that are possible to see if the areas you have targeted will have the access you would like. Several possible search sites, here's one:
https://www.sncf-connect.com/app/en-en/home/search/od