The existing 'washers' (I'm not sure what Vx would call them) - I mean the cup shaped metal, with a slot in which retain the flattened/spade-ended pin can be fitted to the rear of the backing plate, it just needs one edge filing down, so it is a little like a 'D' shape. It's a pain to fit, but it served my old girl for a number of years. Then the rust got worse....
Just before the first MoT after being laid up,on the way to the MoT place, the backing plate just crumbled. My 'mod' was to get some scrap sheet steel, and make a shaped piece of replacement backing plate. stuck a hole in it, and then the standard Vauxhall setup can be used, with the pin through the back, and washer toward the front.
I'd gladly have replaced the backing plate, but as we know, this means replacing the rear wheel bearing. (when the rear bearings
do fail, at let's say 200k, I suggest to anyone source some replacement backing plates, and fit these at the same time) so this wasn't feasible, also I had a matter fo days before the retest
This backing plate insert, shaped a little like a semicircle, works fine.
The other hole wasn't very healthy, so I replaced this with a thin threaded rod/machine screw and nut and washers on the end. All a bit of a 'bodge' but it's worked for over two years so far. Basically exactly what you say in Option b) so I can say it works fine!
Will try and dig some pics out of my 'field repair'