But, what about the third option DM.
The DM that insists on a narration AND a die roll? Because, IME, that's generally what happens whenever someone calls for a check. The whole "well, if you naughty word your way through well enough, you won't have to roll" never seems to happen. And, again, I'm sorry, but, I simply don't care to make the DM "comfortable". That sort of Mother May I stuff just drives me up the wall. Particularly, again, this is my experience, no matter how detailed and "good" the narration is, it's always going to come down to a die roll anyway.