I really like both approaches, but I think the lone Star Destroyer makes more sense.
Star Destroyer appears. Finn returns to Han out of concern for Rey. Rey tries to send BB-8 back, and spots TIEs. Apocalypse Now shot. Maz hands off the saber, sans “they’re here.”
In the end, its very similar to V1, without the TIEs. Just need to implement new music, though.
But, I’m very happy to let both approaches receive R&D, and see which seems most effective.