I believe your third explanation about Matthew 13:22 and what type of person this is, is not entirely correct. I believe they have indeed recieved the spirit and do have understanding. But the choking of the word or known as quenching of the Spirit, is done because of their cares for the world. They would rather indulge than follow the spirit in their heart therefore they choke him off from flourshing.
Like Paul says Don't take your liberty as an occasion to sin. That is this person. Thankyou for your comments on this though. I am sorry to see of the painstaking process you have had to endure. This is the patience and endurance of the Elect (Saints). God has blessed you with redemption friend what more do we need from this world.
Brother in Christ