I face a similar dilemma, except I also I need to split my wpf points.
I d say go for the first one only if you use a high damage weapon and a heavy amor on foot. Having a lot of HP like your first option benefits more a heavy armored warrior in my opinion that a light armored one.
My preference goes to the second one. 4IF and 4riding are both good options. If you wanna ride all the time, IF is not needed that much anyway because of the damage bonus you receive with your speed. The choice only will depends on what use you want to make of that riding skill, if you just bring a mount 10% of the time, then it might be better to tak the IF option and stay on foot. Mounted or not, its the build I would choose.
The third one would be better for light armored agility character with mobility and high attack speed style character I guess. If you wanna ride, 3 in riding seems quite low to me, you wont be able to use the courser / destrier / arabian warhorse. They are the more commonly used horses, they are affordable and good all around mounts. Plus you wont be able to call for them when their rider got killed. If you just want to bring a rouncey and kill a few people with it every once in a while for the fun of it and to add some diversity, I guess 3 riding could be enough. But if you want to play mounted more concistently I think having at least 4 is mandatory, if not 5.
Both three seems viable to me, it depends on what your playstyle is.