Voted for the last option. RMXP game for 3 years? You actually think you can make money worth of the work for 3 years? Don't be so naive. There are 3 things you are overlooking.
1. Publishers don't like independent developers. If you don't come there boasting that you paid for an Unreal Engine license (of which the newest version costs $170,000, if I'm not wrong, for ONLY 1 GAME), you have not the slightest chance to get any serious publisher. No serious publisher means no heavy marketing (marketing is expensive). No marketing means no sellings. No sellings means no money.
2. You can make a game in 3 months that will earn you more money. Currently casual games (read: shitty games) sell quite well and if you can manage to make a few games, you'll earn enough money that you can actually spend a whole year working on a bigger project. Why do casual games sell so good? They don't. But if a few thousand "copies" can be sold, you've earned quite a bit of money. And the marketing is practically free for you as the DRM sites and game portals do the marketing themselves.
3. One-man projects might be nice since you earn all the money, but the success and game complexity is quite low. Today games are done in teams. I'm not talking about teams of 7 people, I'm talking about teams of 50-100 and more people. When you have something to show as portfolio (such as 10 smaller, rather popular casual games created over the period of 3 years), you should have a decent chance to work on a big project and/or get a job at a serious game dev company.
Conclusion:
Even if you get one of the game portals to sell you're game, it will be for some miserable money. Casual gamers won't buy it because it's not an actual casual game. Hardcore gamers won't buy it because it's a "shitty game with cheap and old graphics". The rest won't buy it because there is a small chance that they will ever find out about your game. Why? The game portals' marketing isn't really something. If you can sell 1000 copies of an RMXP game, wow. Be happy. If they sell it for $20, this means $20,000 earnings. When you subtract their part and the taxes, you'll probably end up with $5,000. Congratulations. You've worked your ass off for 3 years for poor $5,000. Great job.