I chose the middle.
WiFi is a backup for a flaky USB, but is rarely used. (The jack on my EasyReader failed, but I did get it so I could charge. It had an external SDcard. Speaking of external:

I had a USBC to USB adapter and My Kobo could see the files on the Pen Drive I plugged in.
I would really prefer Bluetooth file transfer (a personal area connection. No phoning home)