I think I have had one that fits your # 2 David ,and a couple that fit number 3 in my pre snipe days. No lecture intended
, but sniping solved those issues for me. It's just a personal choice.
When placing my snipes I just assume the seller has a price that he will try to get to by minimum bid, reserve or shills ( if I get a totally honest seller, great) , so I bid what I am willing to pay for the card and let it go