Hey,
As a Sims 4 Player and lover of mods and CC to the point of 200gb of them lol, I spent 2 years researching the best aspect of every gaming PC out there and building my own. TBH you do not need anything flashy to run this game at its core, but like you said having mods and CC in the game you want to be able to have no glitches within the game. I can tell you that option 2 is a good fit, but I think you need a larger hard drive, I have 2 one is a SDD which is 2tb and that runs just the Operating System and then I have an 8TB for just running the game. This ensures that the Operating System can run with no issues.