I think you left out what looks like the most likely outcome, which is, Biden wins, the Dems hold the House, the Repubs hold the Senate. In my mind, that would be somewhat of an improvement in that Trump would not be able to do more damage. But it would still result in gridlock and not much getting done except maybe better leadership on Covid. Biden would have to do most things by executive order and I doubt he has the balls to do that. At least we would get fewer conservative nutjob judges. Also, the Repubs will do a 180 right after the election if Trump loses and oppose any Dem spending bills, unless it's giveaways to corporations or the rich, as deficits will suddenly matter again to them and they will become budget hawks on any spending Biden wants to do for the peasants or small business.