I'm with Lleren on this. It is all about screen real estate. There is only so much room. Me, I'm running the game at 1280x800 and 6 toolbars is about the max practical amount. S/He must be running at huge resolution to use 12 toolbars. Not all of us have the latest most expensive video cards and computers.
You need to leave space on the screen for the actual game content. So, no more clickies. More passive skills. It is on the edge of too many clickies now. Though really, I'm somewhere between options 3) and 4) on this.
But you have neglected to consider the most important factor, it is not gamelay complexity, it is screen real estate: there is only so much room on the screen for toolbars. I don't want all that pretty game content hiding behind a plethora of toolbars.
edit: though a new clicky navigation paradigm could allow for more - something other than toolbars on the screen, or a modification of the toolbars - smaller icons / more buttons per bar? - something that uses the mouse wheel? - a treeview? - a tabbed toolbar? ...