Need a fourth option: No, I don't have one, nor do I want one.
Not in the least bit interested in doing quests. Not after the way I've seen people behave in player sponsored quests. And certainly not with those that use mules to cheat the system (don't flame me on mules - this was not a blanket mules are bad statement. I am being very clear here on people who use mules to get the best times and keep all the other people out of top contention. BIG DIFFERENCE to me.)
I enjoy doing player sponsored quests, and if someone needed donations for a player sponsored quest, I would be glad to contribute to their efforts. I just don't need that frustration. The gods of VMK should bless those with the patience, but I know it's not me.