We used Option 3. I found an accountability group that would basically give me credit if I followed the SC rules and stated to them that I did (180 4-hour workdays, Journal, portfolio, in the required subjects)
I didn't need advice or testing (our employer provides that, since we live overseas most of the time).
I did find the SCAIHS bookstore to be a GREAT place to shop, tho. THey aren't expensive and you can see things before you buy.