None of the options being discussed are "simple". There isn't a simple way out of technical debt. If there were, it wouldn't be debt.
Unit tests rarely contribute much to the technical debt, because worst generally-seen case is that you can just throw them away. I've seen that, unit tests so bad they weren't usable for much. I'm yet to see a code base destroyed by trying to make it testable, whereas I've seen a ton of codebases that were made quite powerful and flexible, yet also fairly pleasant to use, because they were built to be testable.
Also, in the end I'm far more interested in "automated" testing than anybody's pedantic definitions of what "unit" or "integration" or whatever testing is. That's not the point. The point is that I ought to be able to set up an automated built server and run useful, meaningful tests on it.