First, I am glad that she was honest with you about her skill set. As painful as that might be.

Second, I can't tell you which to choose. They both have risks, challenges, and possible rewards. I am guessing the option of seeing both of them isn't available? Did she happen to say what her usual methods of addressing transference is and why she thinks that it won't work for you? Also, did she give any reasons as to her hesitancy around option 2 (her building her toolbox and seeing this as an opportunity for her to also grow)?

I don't know all the challenges in your life, so it's hard to say. I think if it was me, I'd push to see if option 3 (seeing both of them even if that meant every other week) was an option. I know when my transference was at the painful and longing stages, I thought about seeking someone to talk about it. I did use online for a trial run to talk about this. It helped some, to be able to talk about my T to someone else without the direct judgment of how crazy it sounds. I know several people that have left a situation where there was high transference and found the new T was able to help them with it. In my story, I do feel I am growing through my transference, growing up through it.