Man that's a tough spot. If it were me I would probably go with option 3. It's far cheaper to buy a built car than to build one yourself and having a car you can write off without such a big loss is nice (I wrecked my 350Z race car this weekend and still managed to smile for a photo of it in the trees since I don't have nearly as much in it as my 370.).
Option 4 might be the wisest but at least in my case I don't think I could give up racing. That Peter Egan quote - "Racing makes heroin addiction look like a vague wish for something salty" says it all.
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