Honestly chimes are a good candidate for samples. It takes a few seconds to find a good chime sweep. It takes much longer to "perform" and record a chime sweep.
Stuart Copeland has many difficult fills, but the beats themselves are mostly simple one-drops, steppers, and backbeats. To Grim's point, it was his implementation of those beats that helped those compositions sound so great.
Maybe instead just get a nice medium diaphragm dynamic like a Shure SM7 or an ElectroVoice RE-20.
Pair that with a nice LA2A plugin and thank me later.
You forgot option 3: Work with your neighbor to develop a good relationship and identify times you can record without the neighbor getting annoyed (or the neighbor walking around and ruining good takes).
Cost: $0
What do your ears tell you? Making a good sounding recording space is about more than absorbtion. You also want reflection and symmetry in your listening position.