In my professional opinion and experience with HSAs, I would advise you to spend down the HSA account to zero as you stated being your "other option" to the first one. The amounts appear to not be too great for you to be able to use these funds towards anything medically related. There are even OTC items that qualify for the spending limits (types of spending, not amounts) for HSAs. I believe the initial idea was to be a good one for both employers and employees, but history has shown that it is more of a hinderance to the employee in a big way.
