I think you have already answered your own question. It seems to me that its a balance of the two options. Using your option#1 for main rules like most page loads, and using option#2 for repetitive similar tracking. The one thing I have noticed is the more rules you have in a property the slower it takes to build so reducing rules is always great, but if its at the cost of maintainable code then I wouldn't suggest it. Im pretty sure Adobe has a story in their backlog to reduce the time it takes ...