First, I also think in-person visits can be helpful in the right circumstances, but are not in fact critical. Schools are often pretty good these days about their static online presence, live sessions you can register for, and so on.
Second, I do think it is probably more helpful to do convenient sample visits, even of colleges you are not thinking will actually be on your list. So of your first three options, I would vote for 2, and would even relax a bit on thinking she might actually apply, looking more for just a good sampling of different types of colleges/campuses/vibes.
Then for Option 4, I think you can see how it goes. Some kids end up very clear on what offer they want to accept, and that’s great. Some are still deciding but only between a short list, and even then you might not need a lot of visits. Like they can start with a tenative favorite and if they love it, then that might be that.