After getting up with the intention of being dynamic and starting to move furniture back into decorated rooms, I've just spent the last hour browsing book covers on Amazon's Kindle site.
Thank you all for your comments. I understand now that when you read an ebook you see the title in black and white but by then you'll have bought it so it doesn't matter. If I want to attract readers who don't already know me and are buying it just to be nice and make me feel good, then the cover is important.
I've come to the conclusion that you can tell a lot about a book by its cover. (Has somebody said that before?) Some are obviously 'home-made' - but that isn't necessarily bad - and some you wouldn't touch with a barge-pole. The title needs to be big and clear unless you're a famous author in which case your name will take centre stage.
So, of my three choices, I am discarding number 2 because it looks unprofessional. I still like number 1 but I'm not sure it's eye-catching enough. So I'm coming down in favour of number 3.
Yes, I know it's very girly but my audience will be primarily female. Also it needs to fit into an Amazon genre and Romantic Fiction comes closest even though it isn't first and foremost a romance. It's not family saga and it's not literary fiction.
It's in diary form and covers a year in the heroine's life. I did toss around some page from a diary idea and might still have a go at that before finalising the cover.
But now I really ought to go and shift a sofa.