Your options 1,3,4 are all fine. 2 would probably not be used due to the ambiguity of 'takes'. If someone said 'she takes her clothes, you would be expecting a 'somewhere' phrase next.
However the last part of your sentences is not very good. 'valuable stuff' is a slightly odd combination of formal and very informal. I assume you meant 'all the time', but I think that would be a little unnatural, and we would normally put a time clause earlier in the sentence, e.g. She always considers...