My unpopular opinion has not changed:

I really would prefer to let players unlock every card they get AFTER their cards are already maxed for free.

At least by maxing their cards they have already reduced the number of single cards significantly, and also farming with many accounts is not rewarded as long as they don't max their cards.

(If anybody has maxed their GF cards they should again be able to unlock their RF cards for free.)

All that means that I like part 4 of your compromise suggestion! :)