You didn't mention the type of use, wheel specs, and the actual diameter of the tire you plan to use.
I will assume OEM wheel/tire type, light trail duty, with the 18"s.
I believe your 3 choices are reasonable without major trimming/BMC.
I do light trails, and crawl over 'parking curbs' at the mall, any more than that and I would 'consider' a BMC on my T4R.
Enjoy!