Option 3; STOP trying to cheat the system, and START using your iDevice the way the manufacturer designed it and the way your carrier supports it. (Is it unfair? YES! Are all of us iPhone users getting hosed, even though there's now two carriers? YES)
And while you're at it, knock off the piracy with the napster/limewire/torrent crap.
(Yeah, I said it! SOMEBODY had to!)
You do realize the phone, aka the system, was designed to do this and that AT&T is going out of their way to charge people double for what they are paying for?
It would be no different if your home ISP tacked on a $20+ charge each month for having a router at home.
I'm waiting for the class action lawsuit as this is wrong. The service that people have bought is not somehow giving them more bandwidth or a higher amount of download data simply because they are tethering through the phone. The phone can only download so fast to begin with so any device you connect to it will still be limited.