I'm not sure whether this will help, but I am educator #3, a guy who advocates for not using reference nodes at all, be it ground or some other known potential. KVL doesn't care about absolute potentials, only potential differences. This isn't necessarily a better way, it's just a different, and potentially less ambiguous way.
In defence of #1 and #2, there are circumstances where it's advantageous to write a KVL equation in terms of some absolute potential, and with practice it becomes clear why one might do so:

simulate this circuit – Schematic created using CircuitLab
On the left, there are a few things you can state immediately, without resorting to strict and complete application of KVL. For instance, since we know that emitter potential is \$V_E=0V\$, and we know from experience that in this configuration current \$I_2\$ will flow downwards through R2, making base potential \$V_B\$ negative with respect to \$V_S\$, but positive with respect to \$V_E\$. We know also that \$V_{BE}=0.7V\$, and therefore, without having to employ KVL or KCL in a strict manner, we can instantly state some potentials and currents:
$$
\begin{aligned}
V_B &= V_E + V_{BE} \\ \\
&= 0\rm{V} + 0.7\rm{V} \\ \\
&= +0.7\rm{V}
\end{aligned}
$$
$$
\begin{aligned}
I_2 &= \frac{V_S-V_B}{R_2} \\ \\
&= \frac{12\rm{V} - 0.7\rm{V}}{10\rm{k\Omega}} \\ \\
&= 1.1\rm{\ mA}
\end{aligned}
$$
This simplicity is only possible because we are familiar with the arrangement. Another engineer reading these conclusions will agree because he too is familiar with this setup. However, this is lazy (justifiably so in this case), and even though we are still applying KVL it's not really the full KVL as described in the textbooks. To do this the textbook way, you'd have to go around the entire loop SBES, as shown above-right. Starting at S, and going clockwise:
$$
\begin{aligned}
-V_2 - V_{BE} + V_1 = 0
\end{aligned}
$$
The educator-#3 point I want to make is that nowhere in that equation is there any reference to an absolute potential, ground or otherwise. If you wished, you could convert the equation to be in terms of absolute potentials \$V_S\$, \$V_B\$ and \$V_E\$, but this is still only potential differences, all parenthesised here:
$$
\begin{aligned}
-(V_S-V_B) - (V_B - V_E) + (V_S - V_E) = 0
\end{aligned}
$$
That's still correct, but it has lost its KVL "roots", and requires great care to simplify. Sure, you can plug in known values such as \$V_S = +12\rm{V}\$ and \$V_E=0\rm{V}\$, and find \$V_2\$ eventually, but why go that route when \$-V_2 - V_{BE} + V_1 = 0\$ is more direct? You can always find absolute potentials later, but I am advocating for sticking with potential differences, at least until you've really grokked KVL. KVL doesn't deal with absolute potentials, it relates changes of potential as one visits nodes around a loop.
As further motivation for avoiding absolute potentials until the very last stage, consider a circuit that is unfamiliar, about which we can't make instant and short-hand assumptions about potentials anywhere:

simulate this circuit
In the true spirit of KVL, the equations I write will all be in terms of potential differences across the various elements, \$V_1\$, \$V_2\$ etc., with not an absolute potential in sight. I ignore \$V_G=0\$ altogether, and at the very last stage I'll derive absolute potentials.
KVL for loop ABGDA:
$$ -V_3 - V_5 - V_6 + V_1 = 0 $$
KVL for loop BCDGB:
$$ +V_4 -V_2 +V_6 + V_5 = 0 $$
Usually you'd write those equations directly in terms of resistances and currents (using Ohm's law) to save a step, but I'm trying to stick to the fundamentals, so I'll write the Ohm's law equations separately:
$$
\begin{aligned}
V_3 &= I_1 R_3 \\ \\
V_4 &= I_2 R_4 \\ \\
V_5 &= I_3 R_5 \\ \\
V_6 &= I_3 R_6 \\ \\
\end{aligned}
$$
KCL at B:
$$ I_1 + I_2 - I_3 = 0 $$
To keep things simple, I've obeyed passive sign convention for every resistor, with current labelled to enter a resistor terminal marked as being more positive. If you don't do this, then you will find that current polarity will not match voltage polarity, and while the values may be correct, it becomes ambiguous (and easy to forget to correct later) which one has the correct sign, and which must be negated. Stick with passive sign convention.
In the solution to all those simultaneous equations, we get:
$$
\begin{aligned}
V_3 &= -3.6\rm{\ V} \\ \\
I_1 &= -1.2\rm{\ A} \\ \\
\end{aligned}
$$
Clearly I incorrectly guessed current direction through V1 and R3, and voltage polarity across R3, but that changes nothing. I forgive my mistake because it isn't at all obvious. The solution is still correct, though, I just need to remember that in reality, conventional current is flowing left through R3, and down through V1, and that the right end of R3 actually has the higher potential.
Two more results from solving those equations:
$$
\begin{aligned}
V_5 &= +1.6V \\ \\
V_6 &= +8.0V \\ \\
\end{aligned}
$$
This is where we can finally find some absolute potentials, the last stage. We can do some "lazy" KVL now, and say things like "potential \$V_B\$ is higher than \$V_G\$, by amount \$V_5\$:
$$
\begin{aligned}
V_B &= V_G + V_5 \\ \\
&= 0\rm{V} + (+1.6\rm{V}) \\ \\
&= +1.6\rm{V}
\end{aligned}
$$
Potential \$V_D\$ is lower (look at the labelled polarity of \$V_6\$) than \$V_G\$:
$$
\begin{aligned}
V_D &= V_G - V_6 \\ \\
&= 0\rm{V} - (+8.0\rm{V}) \\ \\
&= -8.0\rm{V}
\end{aligned}
$$
Knowing \$V_B\$ and \$V_3\$, it's easy to find \$V_A\$ in the same lazy way, but I will also stress the importance of sticking to your labelled polarities. On my schematic I assumed that current flowed to the right, and that \$V_A > V_B\$, which we now know to be false. However, I stick to my schematic's labelling, and trust the algebra to work. My schematic says "Node A is higher in potential than node B (see labelled \$V_3\$ polarity), by amount \$V_3\$", so that's what I write algebraically:
$$
\begin{aligned}
V_A &= V_B + V_3 \\ \\
&= +1.6\rm{V} + (-3.6\rm{V}) \\ \\
&= -2.0\rm{V}
\end{aligned}
$$
The sign of \$V_3\$, being negative, took care of the "correction" for me.