mar1234
A couple of questions.
From your previous posts you are some way off the 750 hour mark. How do you propose to get those hours?
I don't see option two helping you achieve this. Also some of these Command under Supervision schemes don't always work out as planned. 35 hours hours of command under supervision probably doesn't get you that elusive job.
Option one is very much cheaper, disregarding the extra P in C time you mentioned. Also the training you would get a the local club will presumably be done by instructors who are regularly preparing students for the IR flight test unlike possibly the instructor at the flight company who is probably not preparing as many students for the flight test. I think you will get better preparation at the aero club.
What about an instructor rating to add a string to your bow to get more hours in order to get work as an IFR pilot. Use the money saved option in one. Do some extra multi flying as money permits.
Also I think the 5 hours you mention for your multi rating and IR is very optimistic. Remember you need 5 hours for the initial endorsement without any instrument training. The step up from a single (probably fixed gear and prop) to a light twin may be more than you estimate. Expect more like 15 to 20 hours for endorsement and IR training.