Building one by one by blocks takes a lot of work but there are easier ways. To make complex parts I suggest start using meshes. Meshes can be made by programs outside of studio. One program I use is blender, it’s free and it’s beginner friendly. To learn more I suggest watching some tutorials on making a basic head.
I’d say it depends on the specific style you’re going for. If you’re going for a realistic one I really like the first model & I’m sure you’d be able to configure it so characters could customize. Obviously for something more cartoon-y I’d say option 3.
I use a plugin that converts meshes and parts into 1 by 1 voxels, then I union them together to limit lag, I only do it part by part when I need more detail lol
As @Nightmare4into96 suggested, definitely start using meshes. If you’re advanced enough to work with parts like that, meshing with blender would definitely be a great fit for you.