3 alternatives: multiple guitars, learn alternative fingerings or chord substitutes for F and B, or practice lots!
On the subject of multiple guitars, I'm currently considering a baritone guitar to help me avoid capoing up 5-7 frets on certain songs. And Taylor will tell you you can tune down 2 or 3 tones if you put on heavier strings on a standard tuned guitar. So set up a second guitar.
As for chords, I overcame the F fretting issue with practice--this is a critical shape to master as you can slide it up the fretboard and easily play every major chord. Until you get more comfortable, substitute a D minor 7, which is an F chord without fretting the fourth string. Much easier to play and an interesting sub. Also try F major 7, which eliminates fretting the high E string
I transposed every song with a B to avoid that chord for 40 years, until I stumbled on the B 7 chord played on strings 3 4 5--its a D7 shape with finger 1 on 5th string 2nd fret, middle finger 4th string first fret, ring finger 3 rd string 2 nd fret and optional pinky on first string 2 nd fret. All of a sudden playing in E is fab.
