Your Version 2 would certainly be much more cost effective (and much easier)! So that's probably a better choice for anyone that is interested. I have used your idea of adding bridge rectifiers to DC-DC converters using 2 terminals from a small Euro style terminal strip. That works out very well (also easy to do). Maybe the same could be done with the added capacitor, if the 3k resistor doesn't interfere? I think the no soldering part is a fairly popular option around here as well.
I have a couple of the DC-DC converters (modified for AC/DC inputs) in regular use on the work bench. One even has the inexpensive, add-on digital meter for it's DC output (other one came with a digital meter).
Edit: And I see version 3 magically appeared while I was writing this!