3. I'm probably a minority with this opinion. Buy in-lb torque wrench and some crowfoot adaptors and do it right.
I bought three hoses and an SPG from my LDS. I had them install all four. I had to remove a second stage at one point and found that the o-ring between the first stage and hose going to the second stage was extruded from overtightening. When I removed the other three hoses, I found the same in two of them. This is when I became a believer in the torque wrench.
I have found that 1/4 turn past finger tight is waaaay to much for the torque specifications for my regulator when installing a new o-ring (40 in-lbs for a hose fitting, 15 in-lbs for a port plug).
I view it this way: if the LDS can't get it right without a torque wrench, neither can I. If I buy a torque wrench, I can do it better than the LDS. No one truly knows what 15-40 in-lbs feels like, unless they calibrate themself to that feeling on a regular basis. The only way one can calibrate themself to that feeling is to have a torque wrench. If you have a torque wrench, then why aren't you using it?