My recommended steps, FWIW:
Option 4: You mean that you don't already own all of this???
Then Option 2: Get a drysuit and a ton of experience diving it at all depths. Paradoxically, it's harder to dive a drysuit in shallows than it is deep, but since this is where you will spend most of your deco (when/if you get there), practice, practice, practice.
Then Option 3: As has already been said, like it or not some captains won't let you dive some sites unless you have AOW. That was the original motivation for me getting mine back in the day.
The only thing I'd add about Option 3 is why the hell would you want to annoy your instructor? Seriously?? Who goes into a class with this attitude? I know that your post was a bit tongue-in-cheek, but find a good instructor that you respect, and he will take you as far as he is able, piss him off in the class and he will not dive with you again (at least I wouldn't, but maybe I'm getting grumpy in my old age and pickier about who I choose to dive with).