I'd go with the plague option. If I live through it, it just means that most people are dead. So all the human infrastructure is still lying around and not infested with living corspes, so thats good. And the environment isn't fucked, so it would still be possible to live off the land. Its just that most people are gone as well as society as we know it, so I would be free to fuck around all I want. Plus it would be interesting to see what kind of groups would pop up amongst the surviors. Would people try to work together in small tribes? Would new nations try to emerge? Would gangs and warbands rule what's left? Or would we all just wander around hoping to bump into others and try to survive?