To me, the fist option sounds wise...
If u discover that u are fine to study alone, along with GMATClub where u are welcome, u could always say yourselves that u do not need any prep courses
Also, I think that u should arrive in that kind of courses with a minimum of knoweldge and especially, u should be perfectly aware of what u want out of this course and measure it, a minimum when we are aware of the price of such thing
Good Luck ! :D
PS: I would suggest u to do all by your own & track all info in Errorlogs