the "coming home" option (i.e. The three) was the first option and laid above the "stay" which was the second option. (I.e. Tower) As the three came first would that mean it points to something different and doesn't allude to the mistake of avoiding the Tower at all?
I agree that you seem to be over-thinking things. Look, you have a suspicion on what you'll get if you go home (3/Swords). And when you hear it, it'll hurt. But, you'll also be able to say "Well, I kinda knew that was coming...." and move on.
If you stay, you will encounter something unexpected (Tower). It will surprise you. And you will have to say, "Okay, let's start over again now that I know something I didn't know before...." But the thing with the Towers is, that rebuilding will give you something that won't fall down again. Because now you know.
You can't, obviously, avoid either one of these is your choice is stay or go. You do one and you get one, you do there other and you get the other. I, myself, am pretty good with crazy emergencies and not good at all at facing what I know is coming. I'd STAY to avoid that 3/Swords. But that's me. I know other people who would say, "I can't deal with surprises. I hate them. No surprises..." and off they'd go on home.
Again. Which are you? Because you are going to have to face one of them.
And I think trying got add them together (get the best of both worlds as it were) is over-thinking it again. This is actually pretty simple, if I understand what you did here (if I'm misunderstanding please forgive me and explain). You asked "if I stay what do I get?" Tower. Period. "If I go what do I get?" 3/Swords. Period. You don't get Tower/Swords by doing either one. You get one or the other.