I do one or some combination of the options above. I've also tried some more exotic variations of things on the list like Hasura or following jsonapi.org style specs. I haven't found "the one true way" to structure APIs.

When a project is new and small, whatever approach I take feels amazing and destined to work well forever. On big legacy projects or whenever a new project gets big and popular, whatever approach I took starts to feel like a horrible mess.