I am heading in the direction of option #1 with some variation. I am not going off grid but I do have a hybrid inverter with a big battery pack. I will remain connected but use the grid as backup.
I think this is a reasonable and at not an overly cost prohibitive option in many cases. Throwing out the baby (i.e. the grid) with the bathwater seems an over the top response to grid outages.
I live in an area with a less reliable grid supply relative to much of the nation but even here the grid is up 99.5% of the time (when I lived in the city it was 99.99+%). I keep detailed stats on our outages so have a pretty good idea of the frequency, duration, time of day, time of year such events occur. Summer storms are the main culprit but occasionally it's some other random event (e.g. car hits power pole). By far and away the most common reason for an outage is transmission related, not generation related and usually following/during a severe weather event.
But everyone lives in areas with varying degrees of grid reliability and with different tariff regimes, so the suitable solution will vary.
In the city I talked about earlier I just wouldn't bother with backup at all. With just one 2 hour outage in 20 years, what would be the point? Grid tied solar makes perfect sense in such a tariff regime as the payback financially is ~4 years and environmentally it's ~1.5 years. Solar/grid tied batteries are not even close to making financial sense in most Australian cities and grid reliability isn't really a factor.
In rural areas like where we are a battery-less grid tied solar PV system still makes great financial sense, but supplemented with a power backup system. Adding a grid tied battery to the solar PV is one option but it is still very expensive and not great value. I went with a second and considerably cheaper off-grid solar PV/battery system for backup (generator for redundancy). That would cope with a grid reliability down to maybe 95-98% uptime. In context of Australian grid supply, that would be an awful level of reliability.
If the grid were less reliable than that I would look at
@Ampster's solution, a hybrid system and make more productive cycling use of batteries, but still use the grid as it made sense for us. Off-peak grid power is still way better value than off-grid power so a system which uses the best of both worlds helps keeps capex down.
But if grid reliability is really atrocious, then full off-grid makes more sense. That's when the $ start to add up though.
Either way you are still needing to meet the electrical installation codes applicable to your area. Where I am that effectively rules out DIY as the code not only defines the electrical standards, it also defines who is permitted to do the work (appropriately licensed electricians). So here we are reliant on tradespeople no matter how self sufficient we hope to be. You can of course go uninsured, but that's just not a sensible option for us.