You've 3 options
Any of those 3 options are fine. Clearly 1 provides the maximum amount of reuse of ServiceMix/JBI components like BPEL, XPath routing, XSLT transformation, XQuery support and so forth - whereas there is little the JBI services can do with binary messages other than just pass them along.
So the choice of 1, 2 or 3 depends on how much services you need & how much information you need to be accessible in the message