Ivy Etched/banded has enough AC to carry you through the 40s, so I would not want to spend 30k on armor which would be a pretty marginal upgrade for these levels. Just go straight to velious quest armor without having to waste time buying/selling more expensive items?
I suppose if you won't be maining your twink, there is a good chance you could find a woodsman's staff/plat to buy one by the time it becomes significantly better than the quick 1handers or a cheap silver swiftblade.
I think these two points are good reasons to go with option1; I don't think you are sacrificing much to have a fungi.
If you do go for option 1, I might have a spare silver swiftblade you could have as a gift if you like? It's great up to 20!
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