I'm probably in the (B) category, let the stats be a suggestion for rp, not a straightjacket. In D&D with it's 6 stats, the game mechanics attempts to stuff a wide range of behavior & motive into a very few boxes, so it's difficult to know exactly what that means, though.
The way I've come to approach it is first to clarify what exactly is the overarching meaning of a given stat for a particular PC. High Cha for example is often explained in several ways: deep self-awareness, strong force of personality, general likeableness, and so on. Those personality characteristics, of course, aren't really tied together in the real world. But for a character, I pick one of those interpretations to guide rp, and allow the others to slide into the background of mechanics.
The most important thing here is that another high-Cha PC might go with a different vision of what the Charisma stat means. So a party can have a gregarious bard and a surly sorceror, both with high Cha. Strangers respond to the bard because he's charming and eloquent; strangers respond to the sorc because he seems vaguely dangerous and commands respect.