I can't give advise on the machines as I haven't sewn with them.
A couple of thoughts to consider. Do you like your local dealer? Will they offer support on products purchased as in option 2.
If you purchase Option 3 and keep it for 10 years, that extra cost is about 31.5 cents a day (over option 1). Plus you have support and/or lessons from your local shop. Hope that helps with your decision. Good Luck!