I have had a sort of number 3) in the fact I was moire worried about my passengers getting hurt.
I mate and myself(he is a pilot as well) were flying our then girlfriends up the coast in the US, I was flying as he was taking pics etc. The girls were in the back and not too bad as passengers.
I noticed the oil pressure going off the scale and motioned to my mate so as not the alert the girls, we were over water and the land just off to starboard would have made for interesting landing. We did some checks and found by throttling back we could bring it back within the green. We carried on and looking for any landing areas on the way in case we needed them.
We didnt tell the girls and made it back to base where we informed the FBO we had hired the aircraft from.
"Oh yeah dont worry......its a dodgy gauge!"
I think 2) would be interesting as I think you would probably get different reactions if you had rented it or if it was your own. I think you would probably be more inclined to try and save the aircraft if you had sunk your hard earned £ into it.
J.