Not sure why you can’t opt out of 401k. Never heard of it. Why can’t they let people opt out? Is it legal to make it mandatory? Do they match your contributions? How much?

I’d certainly not take option 3. I’d not do temp jobs. If I have other options .

Is option 1 offering good benefits? Health care? Lower pay but better benefits might be a good option. What’s monthly premiums and deductibles at both jobs 1 and 2?