If it were me,I would choose option #3.That way,if the pocket book allows you can always hire a guide,and if not or if time is a factor you have your home waters as a fall back!I have a similar situation,26 years old with 3 boys!It takes a little compromising,but I always find time to fish!!!Scratch #2 off the list,not an option!Fishing is a lot more to me than bringing fish home,more than even catching fish(don't get me wrong,if I never caught fish I probly would have hung it up a while ago!)Thats why I would only suggest hiring a guide if you want to learn a new piece of water!Save the money,you can buy a lot of gear with what it costs for one day of fishing!Take care!!--------------Fish