I fall somewhere generally between 2 and 3.
My work is very character driven, and generally characters come complete (for me at least) with their own introductions and first scenes. There fore I tend to get a couple thousand words down, then I’ll usually stop and make some notes (sometimes very very basic, sometimes with a bit of structure depending on how long I think the story will end up being), and then I just free-write from there, often through and around various single line ideas which occur to me whilst working (or walking the dog, or in the shower, or cooking dinner) until the characters decide on a conclusion.
I never, ever, start a story knowing where and when it's going to end. mostly I get a chapter or two of warning before my fingers type the ending out.
Titles come, or they don't, but I certainly don't need one to get writing. The only times I've written a story out of order, doing whichever scenes were there and filling in later, they've both been awful and I've regretted it afterwards.