Option 4 would be my preference.
One thing to consider with your insurance company - does having multi-engine experience reduce your overall insurance cost over time? If you get your traditional multi, then all time logged in the Skymaster is multi-engine time. if not, it is CLT, and not sure if the underwriters even categorize that.
This may be your last airplane - but if not, it is good to have multi-engine experience in the log book for the insurance company.
Jeff
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