Sally, may I just say that you look great in every one of these photos? Also, seeing these more close up pics, you remind me of my former (and much loved and respected) therapist, one of the most beautiful women in my life, body and spirit.
As to the hair, the texture of yours (and natural colour) sound really, really similar to mine. I also have a similar need for wash-n-wear hair. Like yours, mine can look smooth, thick, and sleek like photo 1 with blow drying or a flat iron -- or beachy/ wavy/ shaggy with layers cut in and no blowdrying. When I've had it longer, I have done as others suggest and had layers cut through to bring up the wave.
None of that helps you decide on a style. I actually think you look fantastic with your hair at the current length, but also agree it is better when blow dried if worn at this length. You also look wonderful with short hair. Like Sharan, I'm taken by how good you look with it in the beach shot!
On the other hand -- I know for me, "longer" short cuts like that can easily feel "no style." You know --- "middle aged woman who doesn't want to be bothered." So I am always worried about falling into that category. (Not saying that is how you look at all -- just saying that is how I often feel with a similar cut and it makes frequent trims super important.)
I guess the core question is whether you'd rather style in the morning most days...or go for more frequent cuts. Once that is settled you can get more specific as to the basic cut. I also think it would be great to ask your stylist -- and if she or he has no opinion, maybe it's time to start looking for women with great hair in your area and asking where they get it done. Sometimes going to a new stylist is the way to get a new look -- a new person may see you differently.