If you have the 6 months to burn most BA, with the first month being the hardest due to the 10-9-8 BA ranges, do 3.
Since that 80+ or 30+M could be spent on NCB BA. Which would also help you level your tattoo due to the incredible NCB bonus.
You can also decide at that time how many minions you want.
The only disadvantage would be the inability to have staggered minion xp ratios. Which can be in the right situations advantageous.
I see you have A Halidon Familiar lvl 10,783,316 which is just near your MTL at 4.05M MPR. With spending most BA and buying a nice amount, you can likely come close to Silver Golem
With your relatively low NW, I would suggest a 4 minion character using either a RoS like Epitaph
or a RBF strategy like Damage Control
IMO the HF is a weak tattoo at the higher levels of play after its last nerf.
My true advice: Borrow 30M, try to get it so you can pay that person back most of it in 4 months (see below). Get a low level RBF or RoS, make a 4 minion character. Use a strategy like either Epitaph or Damage Control. When you get to 4M MPR, change to your old tattoo and sell your newly grown tattoo for about 20M to the store (I figured a level 6.6M tattoo at that time). Pay back part of the loan.
Continue on as far and as fast as you can grow. Once your NCB is done, you can then decide what type of character you really want to play. Be it tank, mage or RBF. You may have to retrain a bit, but you growth during the NCB will be the fastest due to a lower NW=lower PR=better rewards due to increased challenge bonuses.
I am sorry for such a long winded post, but you did ask.