I'm a perfect example of the option #4/ "just add more SG" user. I haven't done anything but clay (Sonus green) and add SG for over a year- that's on the minivan that gets used hard year-round. I don't do any polishing unless I have marring to deal with and I don't AIO unless I've had to polish.
Note that I'm quite meticulous about my wash regimen and how I clay
FWIW I use the same approach on all our vehicles, but the minivan is the only one that's Klassed.