I'm in between your last two choices. I often shoot to avoid post processing necessity, therefore often can use what I get out of the camera...that's my goal.
However, if and when I do need any processing, from the minor stuff like a little crop, noise removal, sharpening, or bigger stuff like cloning, layering, curve adjustments, stacking, masking, etc..I prefer Corel Paint Shop Pro X4 to Photoshop. I used Photoshop Elements long ago, and side-by-side with Jasc Paint Shop Pro 8, and just liked PSP much more as far as interface and layout, while it had all the same controls, took the same plugins, and was cheaper to boot. When upgrading a few months ago, I decided to stick with PSP and went to Pro X4 - and it's been great. I still vastly prefer the layout and controls in PSP over Photoshop, and the latest PSP update seems to have pretty much identical functionality, features, controls, and capabilities as PS...just laid out differently and much cheaper.
I use Topaz & Nik Photoshop plugins with PSP Pro X4 as well.