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quick answer:

Q1: the question is good, but there is no standard answer. Yes or No is too simple.

Q2: the question is stupid, but if you only care about the total payment, then the answer is 8.8%. Which means in option2, until 8.8% interest rate, you always "WIN" using option 2 by total payment consideration. But I will tell you if you really adopt 8.8% interest rate in option 2, you will lose huge money which might not be visible for yourself.

Hope this will help you save your tens of thousands of dollars.