This last one is the most common napkin arrangement I've seen. I worked in a restaurant that had many wedding receptions, and this is how we did them. Its easy and takes very little time. Most of the servers would have made a pffftt sound if they'd been told to fold the napkins, tie a bow around them and then stick a flower under the bow.
But I kind of like the second one. How silly is that? Do my napkins really need treatment? I don't think so. Will I be thinking about it? Yes.