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All the benefits of LN-Address, (most of) the privacy of BOLT12, plus you can choose use it without trusting a provider as long as you have your own domain and can add one DNS record!
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I’m partial to #3 mostly because it’s so simple. It’s something I imagine plebs could do for a noncustodial node they run themselves after following a straightforward guide.
It also seems like the least expensive experiment to run given the protocol doesn’t need to change. It’s the perfect plan A.
It would suck as a wallet provider though. If there’s some way to not need a dns record for every username that’d be ideal. If there isn’t a way to do that (I haven’t thought about it much), you’d probably also want to provide #1 for custodians.
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