I'm thinking door #4:
Mom does not know Latin, so forks over the $$ to pay a tutor or online class (Mr. Spotts) to teach Lingua. Teach English grammar via writing separate from Latin studies.
And yes, the goal is Latin fluency (Latin as Latin), not necessarily "aceing" the Latin Sat II (which would be a bonus).
Works for me :)
You're the best, Drew. Thanks!!