Point 1 is certainly something to look into. One of the concerns with it though is that this could hurt small delegators that have < 1 roll, since the entire baker ecosystem could disable delegations and then small token holders can’t delegate anymore.
Enabling smart contract based payouts systems is something that would be possible with option B of baking accounts. This is because it will give bakers the ability to implement a contract that defines the logic for how rewards can be accessed. Most likely it would mean that delegators could choose to manually withdraw their rewards which may be a tax benefit on the jurisdiction (I’m not a global tax lawyer, but I know jurisdiction where this would certainly be the case and I think the US is one of them).
The Cryptium Labs baker is only running archive nodes, because disk space is cheap and we like to have all our nodes have the full range of RPCs available.
