I'm on Option 3 here and I can hit full speed on USENET/BitTorrent any time of day, but http speedtesters show 3mbps during the day and about 1.5mbps in the evening, though web browsing is fine 24/7 (there was a period of time around a week ago where browsing was pretty bad but they've sorted that now)
No idea what Option 1 would be like, depends what you want to do I guess, I think they're marketing that one to people who do more web browsing than downloading.