rpenmanparker 

Number 1, but I build my own wheels so I know it would be done right. I don't trust LBSs to build top-notch wheels.

In your situation I would sell the remains of your wheelset and buy another either the same as you had, different off the shelf or some custom pair you would like.

A crash is an accident, and accidents happen. Nobody said enthusiast cycling was cheap. Whenever you buy cycling goods, you have to think like you are buying them twice. If you can't afford to replace something that breaks, you can't afford to buy it the first time either.