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The most critical factor for you is to make sure that the floors are level with the other floors that it will butt against. Me? My choice would be #1.
Count me in on this one. Do the job right the first time. You might want to sister additional floor joists alongside the exsisiting joists. A couple of bucks maybe, but worth it. Also, you could use tounge and groove subfloor. Glue it down with construction adhesive and screw it down.