It is well established that supermassive black hole (SMBH) feedback is crucial for regulating the evolution of massive, if not all, galaxies. However, modelling the interplay between SMBHs and their host galaxies is challenging due to the vast dynamic range. Previous simulations have utilized simple subgrid models for SMBH accretion, while recent advancements track the properties of the unresolved accretion disc, usually based on the thin α-disc model. However, this neglects accretion in the radiatively inefficient regime, expected to occur through a thick disc for a significant portion of an SMBH’s lifetime. To address this, we present a novel ‘unified’ accretion disc model for SMBHs, harnessing results from the analytical advection-dominated inflow–outflow solution (ADIOS) model and state-of-the-art general relativistic (radiation-)magnetohydrodynamics (GR(R)MHD) simulations. Going from low to high Eddington ratios, our model transitions from an ADIOS flow to a thin α-disc via a truncated disc, incorporating self-consistently SMBH spin evolution due to Lense–Thirring precession. Utilizing the moving mesh code arepo, we perform simulations of single and binary SMBHs within gaseous discs to validate our model and assess its impact. The disc state significantly affects observable luminosities, and we predict markedly different electromagnetic counterparts in SMBH binaries. Crucially, the assumed disc model shapes SMBH spin magnitudes and orientations, parameters that gravitational wave observatories like LISA and IPTA are poised to constrain. Our simulations emphasize the importance of accurately modelling SMBH accretion discs and spin evolution, as they modulate the available accretion power, profoundly shaping the interaction between SMBHs and their host galaxies.