That's right. I pick the third option: hoody. I'm convinced that mos of the advantage a ghillie suit gives to a hunter in regards to animals (people are another matter) is that it gives them confidence and makes them focus. Put on a hoody to break up your outline, sit or crouch really still (as still as you would in that ghillie suit) in front of some brush, and watch what happens.
I do all my hunting on the ground, stalking and still hunting, and my 'camo' is an old hoody that someone got me for Christmas. Seems to work OK for me.
The only drawback is, my friends have taken to calling me Robin Hoody. Wish I could figure out a way to fix that. Maybe new friends?