[aaronmdjones]

No, option #3 only considers the law as written. For example, the statute of limitations for wire fraud can be 10 years if the victim is a financial institution and some other conditions are met (18 USC 1343, 18 USC 3293):

https://www.law.cornell.edu/uscode/text/18/1343 https://www.law.cornell.edu/uscode/text/18/3293