All of these solutions have benefits and drawbacks, all of which have already been covered by folks much smarter than me. But I do have one advantageIm starting from scratch, so I can use the latest tech.
And lo and behold, just last month, DHH (the creator and BDFL of Rails) put up a PR for a new solution called delegated type. Its definitely worth clicking through to read DHHs description of the problem hes trying to solve. I wont go into them here, but I did want to outline some of the problems I had getting this to work as theres not a lot of documentation out there.
I haven’t looked at this long enough to know why it’s better than an STI (funny acronym, that), but next time I need to use polymorphism, I’ll keep delegated types in mind.