....and reverse smartly, jam on brakes .. and boat slides off trailer,...
Then if you have an engine that won't start, you now have to get it back on the trailer and out of the way until you figure out what the problem is. I also don't like the idea of reversing smartly and jamming on the brakes at the ramp.
If you submerge the bunks fully while retrieving. The boat will float off sideways in a cross wind or current.
I use option B
Recovery is a drive on, obviously need to get speed right to get it far enough up trailer.
Your speed is not that critical. As long as you are close, you can winch it up as far as you need to (that's my wifes job
You can always ease up the throttle slowly to creep up if you need to. Many ramps don't allow this type of loading. The prop wash will over time erode the end of the ramp area.
Here I am doing the option B thing.