I’m not sure I completely understand the question. So let me try to rephase and you can tell me if I’ve understood?
You have a goal that is phrased in a negative way. You want to have a data point of +1 if you have a “clean” day where you don’t do the forbidden things. The finish line is bedtime / end of day, so we can’t really know if you “deserve” the +1 until midnight. But you need to be awake to enter data, so there is this unavoidable loophole where you could always do the forbidden thing after you record the +1 for the day. Do I have this right?
The basic answer is A) is right. This goal is going to derail and charge you $5 in 4 hours 22 minutes. There is not a grace period for entering your data retroactively.
At risk of disputing your premise, would it be easier if this were a Do Less goal instead of a Do More goal? In the Do Less model, you would record a +1 when you do the forbidden task and record nothing when you have a “clean” day. This means that there is no data entry problem of the type described above because you only interact with Beeminder when you do the X,Y,Z and not otherwise.
The primary risk here is that you can just completely forget about the goal. The Do More model will nag you for a data point if you don’t enter it, whereas Do Less can sort of just succeed silently. There’s a solution called Pessimistic Presumptive Reports which is basically just the system enters a phantom +1 for you that requires you to go in and override it with a 0 to indicate a clean day. So you can’t just forget about the goal, you have to manually enter 0 to show Beeminder you didn’t forget. But if you then go on to do the forbidden thing, you can still enter a +1 to indicate that despite the fact you already entered 0 because they all get added together and 0+1=1 so no harm is done. So I believe it would solve your problem?
There’s more info on Do Less goals here: https://blog.beeminder.com/less/