Honestly, if I couldn't wait, I'd go with Neon. There aren't many other options anyway. Other considerations could be Arch or KaOS. I don't know the timeframe for openSUSE Tumbleweed, however, they are usually super fast. It could be a matter of weeks when Plasma 6 will be offered if it's isn't already. If I could wait, Kubuntu 24.10 seems to be a reasonable choice (or any other distros you would consider that will ship Plasma 6 this year).
I wouldn't go with option 1. As far as I know, thy don't offer Plasma 6 yet and I don't know whether backporting Neon repos will work.
You never stop working, right? ๐ช๐