Use option 3 for best exchange rate. I know the airport is terrible and I doubt your bank at home would be anything great. We convert some US to JA when get down but end up using both while there. Some places you end up saving a bit so that's where we use JA. Other places it's pretty much a wash. On our last reach in May, many restaurants/bars were basing prices on 100 JA to 1 US. We never found a place that refused US. Don't convert more than you think you'll use. Otherwise you need to convert back or save for your next visit. We always bring some home but know we'll be back. We get our driver to stop at a cambio on the way from the airport and send him in with some cash. He knows who has the best exchange rate and even gets a little better deal than us as tourists. Just make sure he gives the receipt and count the money in front of him. Our driver is very honest and insists we do it that way. Have Fun!!