Perhaps we should tend toward the first.
For Gentoo, of course, "just recompile the kernel as desired" is more reasonable, though they have binary packages including for the kernel and I don't see why the same idea shouldn't work there.
But I don't want to know what drivers I need and will need next. Tomorrow I could buy a different wifi module and then what? Spend 3 hours googling which rtl378326973268632aahaxhabt.ko to install? Thanks but no thanks.
We can have security and convenience.
It would work for various other drivers though.
Now, when kernel finds a USB device with product vendor id 123:456 it asks userspace for a driver for this id. Every .ko file has this metadata saying which device ids it supports. Notice that important part of being able to trigger the device load event here is physical access to plug in the device.
If each module has to be installed, then what? We would have the index of all modules, but not the modules themselves, so each time a new usb device is plugged in, the thing will do apt-get install something something and wait for a minute or three. Where is the upside really?
Maybe what you want is being in the loop for what modules are loaded and approve them manually? That will suffer from the usual operator fatigue and requires understanding what each of 225 modules (I just checked lsmod | wc -l) is doing.
You can do blacklists easy enough if you want to, just add few lines of text into /etc.
I'd also like option for whitelisting, like whitelisting every single NIC driver is harmless enough coz they just won't be loaded, but anything that can be loaded by non-root userspace action should have option to be only loaded if it is on whitelist.
Tho all that is easily doable by just changing userspace AFAIK