hard choice. Most realistic? AI for those who can afford it. Optimal? the AI communism sounds good until you get on the bad side of the majority, then you can lose everything. So you need to conform to live. The same argument can be made for the UBI for essentials though, without as much benefits for conforming. Trans-humanism will probably only be available to the people who can afford it + people hardcore enough to do it

Return to monke would be the religious / Amish / hippie types

AI technocracy would most likely only happen if the singularity went bad. I doubt people would willingly let an AI rule over them, at least for the first 100 years. Maybe a small community would try it first