I think that all four options are definitely possible, but that people have a bias for maintaining their circle of comfort, and justify that fear of the unknown.
As for
>You cannot deny that there's beauty in 1
I do deny it; or to be clear, I think it is a story that we've been conditioned to prefer over the others, with sometimes disastrous results for everyone involved. I see the same beauty in any other option that ends up with a person living a great life they don't regret.
I think we'd have a better world if people focused on finding their best possible life without a notion that this choice is the default, more likely option for a live well lived.