I like options 2 and 3 as well. I'd prefer story (mainly because we're seeing different types of spellings for fanfiction, FanFiction, or fanfic), but either would work for me). If we go for fanfiction I'd suggest we use the full word fanfiction and not fabric.

edited to say - the honor-ific to be added to the podfic page if/when the second fan fiction page is created. In its absence I'd add the 'header' with a red link pointer to the placeholder page for the fanfic page (story or fan fiction -either way). Tweaking the template to automatically include a grey banner would be a simple visual fix.