As you said, your alternative a) leads to the same problem with viruses then the autostart-script if the finish solution does not ask you for your wallet password and ensure exclusive access to the keyboard during that time, which no Bitcoin Client does at the moment i think. Otherwise features like clipboard copy and paste would be deactivated in the Wallet's password dialog because it is an often used way to steal the input.
Alternative b) ends in an independent system, which only reminds you to pay something, and there are tons of Bill Managers & Reminder out in web if you just need something that helps you to send your payment out regulary. You could use one for USD and keep in mind that you mean BTC.