I agree with lookandbuyme that the off-center quality of #2 is not as desirable as having it centered.
I also agree with the idea that a dark border will make many photos seem "washed out." I notice this with the templates, so I typically use a template that is no darker than the item, whether it is black or another color. A picture framer once suggested to me that a mat and frame should not be darker than the darkest color in the picture because it draws the eye away from the picture. I know that my comments involve opinions and preferences and there is no right or wrong; even so, I'll cast my vote for either no border or an option for the lister to choose no border.