The issue with point 3 is not muscle memory but the fact that you need to access your memory to make the link, whereas using Obsidian’s built-in inline search to make internal links relieves one of that burden … which is and has always been hypertext’s no.1 unresolved issue (easy, non-distracting-from-writing linking).
That said, if Obsidian has an option for generating relative Markdown links []() instead of the [[]] ones, that would resolve lots of people issues I suspect.