I agree with this comment, and would suggest going with the first solution (NAT loopback, aka NAT hairpin) rather than split-horizon DNS. I say this even though I have a strong dislike of NAT (and would prefer to see networks using flat IPv6 addresses, but that's a different topic). It should also be fairly quick to configure the hairpin on your router.
Specifically, problems arise when using DNS split-horizon where the same hostname might resolve to two different results, depending on which DNS nameserver is used. This is distinct from some corporate-esque DNS nameservers that refuse to answer for external requests but provide an answer to internal queries. Whereas by having no "single source of truth" (SSOT) for what a hostname should resolve to, this will inevitably make future debugging harder. And that's on top of debugging NAT issues.
Plus, DNS isn't a security feature unto itself: successful resolution of internal hostnames shouldn't increase security exposure, since a competent firewall would block access. Some might suggest that DNS queries can reveal internal addresses to an attacker, but that's the same faulty argument that suggests ICMP pings should be blocked; it shouldn't.
To be clear, ad-blocking DNS servers don't suffer from the ails of split-horizon described above, because they're intentionally declining to give a DNS response for ad-hosting hostnames, rather than giving a different response. But even if they did, one could argue the point of ad-blocking is to block adware, so we don't really care if SSOT is diminished for those hostnames.
There's at least !bestoflemmy@lemmy.world