For option 1, I’d be adverse to anything more than a high failure rate, a chance to damage your head, and no more than one rag being made. It’d be nice to have it in a pinch, but we’ve gotta have a significant reason for using tools.
For option 2, as Inadequate said the chance to damage your hands, (on both failure or success), would be good. This’d also apply to option 3.
I think glass shards as cutting implements & weapons would be more realistically integrated once weapon/tool durability is in. Can’t repair a glass shard after all.
For option 3, this is probably the easiest. Chance of injury would help balance it, as would low durability, and a wider difference between low & high quality cutting implements would be nice.
I agree that a knife shouldn’t be required to make a makeshift knife.
I’d also suggest any self-respecting non-noob player activate black road & static NPC- no more looting the shelter. Also provides a better opening narrative.