Bill Zebub
“It’s probably Matt Mercer’s fault.”
Ok, you're still not quite getting what I'm driving at. Which one of those options is getting towards what you want from your OP? We've got stakes, we've got consequences, what back and forth and GM adjudication is closest to what you want? Once we figure that out, we can extrapolate some broader things.
I guess as written your last option...the Dungeon World approach...is closest, but I was also trying to describe how I would adjust some of the other options you presented. Because I don't always do things exactly one way.