If it were me I would option c) first, sometimes 
even 1% is on your side.

From my lurking around I can tell you are more 
experienced collector and this situation must be 
harder for you to confront. Your questioning of 
the item should hold more ground with the seller 
than someone who has only been collecting 10 mos 
or so.  Any respectable seller will make thinks 
right with you, mailing should be the only expense 
you are out.

So far as a) b) or d) they all sound the same to 
me, an unsatisfied customer not wanting to keep 
the regret or pass it to others.  Try for your 
glimmering 1% first ^_^.

I know alot of you guys are still in school but 
even at my age education is expensive.

MHO from the not a veteran..just oldest new 
colector