Edit: And if your like me and you just want insurance for your dignity but don't want to end your life anytime soon then you are are rare person. If that is the case then just choose the option that brought you to that point as most people don't reach that point just through logical reasonable deductions and calculations.
I picked #1 but I really fall into this "insurance" category. I don't think it's as rare as you make it out to be. Maybe it is on this forum, but for the elderly and terminally ill there are studies that having access to lethal means makes them less likely to attempt suicide and even improves physical and mental health overall. The general concept is true for almost any rescue-type thing like knowing you have a few PRN Xanax or Vicodin, having some money saved up so you could relocate or quit your job or leave your SO if you wanted, knowing your friend will pick up a 3am call and drive you home from the bar if you need it, etc. And the whole idea of having "fuck you money" and being able to retire early but continuing to work anyway because everything is easier to endure when you know it's a choice and you have a safe way out.
I think this forum serves that purpose for many of us, but some may be less aware of it or less willing to admit it.
The world would be a lot better if people were more open about the "insurance" side of knowing they can safely discuss dark thoughts, planning CTB, or even having supplies for CTB. Not just on SS, but also with family/friends and with therapists.
Imagine if we could get stats on how many people totally changed their mind because of having some "insurance", how long they postponed CTB because of it, what new things they tried to get better, whether they stuck to treatment more, whether they got a renewed sense of hope or felt more able to tolerate the suffering of being alive.
I have a childlike streak of wishful thinking, but I believe that the more we talk about how "insurance" often prevents CTB, the more it'll be ok to discuss without fear of 5150 or losing friends and family. Then that would lead to people getting more benefit out of therapy, feeling less socially isolated, maybe CTBing less or waiting until an older age.
Lol sorry if this sounds like a pro-life rant. It's really not, in fact it's quite far from it. It's pro choice, but pro true choice. When CTB done in secret feels like the only option, that's not a real choice. But right now for most of us it's the "choice" that this pervasively "pro-life" (only in name) society has to offer. All humans deserve better than that. We all deserve a real shot at getting better, AND the safety net of knowing we can die with dignity if "better" never happens.