Let me get this right, we are having a discussion on the most financially sensible way to go private flying! I wonder if windsurfers have discussions on how to avoid getting wet, or Russian roulette fans on how to avoid risk.
What matters is which option is most fun, or most convenient depending on why you fly, for the type of flying you personally do. The answer varies according to the individual
If you want an option that makes financial sense then it's simple. Don't fly at all.