What your T said makes a lot of sense. Option 3 might not only set you back but have drastic consequences on your mental and/or physical health.

Your T is being involved in your care and flagging his concern. Plus, he is willing to offer additional support (phone conversation).

Sometimes we do have to disappoint other people if it means we keep ourselves safe. One has, primarily, a duty of care towards oneself. So, yes, I agree with him. Keep yourself safe first and foremost.