4 if possible, if there is no other option, then 2, maybe. Even if number 2, it doesn't mean there isn't someone (s) outside the place with a gun (guns) providing protection for me, or me waiting for someone else to exit, particularly if there is a large amount of money involved.
Although I would never suggest someone do number one, I could certainly understand someone feeling the need to do so, particularly if they had a particular reason to do it. Like for example before Ohio had licensed carry, someone might've had to carry due to documented serious threats. It wouldn't make sense to strictly obey the current law if there was a realistic chance it was going to get you killed in the process, because a killer isn't going to care about a no guns sign. As far as CCW in a CPZ to protect against possible everyday threats like muggings, etc, I don't know.