REPLY: I don't look at it as a captain having four choices. It's actually a two-tiered set of options:
FIRST DECISION- Choice in the first half, or
- Defer and take choice in the second half.
SECOND DECISION- Kick
- Receive
- Defend a Goal
So I approach it that way: "Captain, you've won the toss. Would you prefer to make your choice this half or defer and wait till the second half?" Only after that decision is made, will I even begin to mention the three options that need to be considered.
Same way as Ref In So CA recommended.