I feel like you answered your own question. Since this is 100% out of pocket, go with cheapest option. Next one is covered 100% insurance so go with what you can afford. My 21 BSBL got replaced 6 months ago it just cracked stopped at a light. Nothing hit it. Seamless replacement with Safelite...
Nothing I am out of basic warranty 3 years 36k miles but dealer covered it under power train warranty. I do not have an extended warranty either. I had and reported the battery issue to the same dealer BEFORE it was an official recall. They said there was nothing wrong and under FORD testing...