Hi Dave,
In my case, this is a board that I'm designing that will eventually be a product. While I don't mind slapping a header on there and using my Blaster, I'd prefer not to force others to pay for a Blaster when the board itself is probably only in the $50-100 range. That being said, I'm still leaning towards (3). I like your idea with the FT245B; I personally thought the FT245R was nice because you eliminate the need for an EEPROM, 6MHz crystal and (possibly) the 24MHz oscillator to the CPLD, though you'd be running at half speed (12MHz instead of Altera's devkit at 24MHz).
Matt