I could never do c). I need to get off my saddle at a stop. I do a lot of city riding with loads ( clothing, groceries). Safety is no. 1 for me, because I am dependent on cycling, etc. And don't drive. It makes no sense to me, when cycling even with just 10 lbs. or more.

Best of luck in clipless success. I haven't gone that way.. I've been cycling for past 25 yrs. I know a few guys who are experienced cyclists, meaning their whole lifestyle is cycling without being clipless