
I can absolutely see an argument for one but if this were being taught as a grammatical example it would be two because it seperates the action of the first noun from the noun(s) being acted upon and also serves as an explanatory comma (the book, Lord of the flies, ... / rest ye, merry gentlemen, ...)
No bc the difference between 'that' and 'joe' is improper vs proper which is not the difference Im discussing ,I really dont know how else to explain it, option 1 of the poll is an optional comma, technically correct but the scenario would be taught as option 2 as that comma is non optional so its the only answer that isnt situational/arguable, I am agreeing with you that one is a viable grammatic response I really dont know what else you want