I like your plan #2 with the rip rap. You can also put an erosion mat down after you seeded it and cut through it to plant the plants.

There are 2 types of erosion mats. One type uses a plastic netting that will take a LONG time to break down. The 2nd type is made from all natural fibers (Jute) and will break down within a year or two.

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3/4 to 1 1/4 ac pond LMB, SMB, PS, BG, RES, CC, YP, Bardello BG, (RBT & Blue Tilapia - seasonal).