Go with option two and use the storage trusses. Delete the OSB, stairs, landing and plan to do those later. Quite simply option one isn't big enough. It isn't deep enough for two cars, and barely wide enough for two cars. The storage will come in handy later when you can afford it. You better check your overall height. 12' clearance is bare minimum for a lift in my opinion unless your a short guy which I am not. Good luck and keep us posted on your progress.
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