i would say the most important thing would be selecting the right type for youre climate
you will need one of the more cold hardy varieties
look for varieties like namwa (often sold as icecream), orinoco or blue java(harder to get the real thing usually you end up with a namwa)
bananas like full sun and lots of water, but not wet feet/submerged
option 3 sounds good since the roots could find the ground water
maybe just chop and drop to avoid moving materials down there?