I believe this form the most: ECLECTICISM THEORY AND THERAPY.

Because in my opinion, the human psych really is a combination of friggin everything. The things that happened to you in childhood and how they effect you; imitation and adaptation of the parents and family members (but this most definitely is to a smaller degree than what I believe of the psycho-dynamics), and the choice to consciously and at least subconsciously (in the sense you KNOW what you're doing and why, but delusional or distraught about it) choose how one wants to act and behave, but only applies to adulthood and not childhood behavior, nor barely, teenagers.

However, any of the 4 can be "accurate"... depending who they're applied to. The first three I wouldn't say are solely accurate to every given person as much as eclecticism applies to everyone.