Maybe I'm missing out on some subtle definition, but it seems to me the last should be a correct option also.

I went to http://technet.microsoft.com/en-us/library/ms142551.aspx

and found the following

"Creating a Stoplist

You can create a stoplist in any of the following ways:

-Uploading the system-supplied stoplist in the database. SQL Server ships with a system stoplist that contains the most commonly used stopwords for each supported language, that is for every language that is associated with given word breakers by default. The system stoplist contains common stopwords for all supported languages. You can copy the system stoplist, and customize your copy by adding and removing stopwords.

The system stoplist is installed in the Resourcedatabase.

-Creating your own stoplist, and then adding stopwords to it for any language that you specify. You can also drop stopwords from your stoplist when necessary.

-Uploading an existing stoplist from any other database into the current database and then adding and dropping stopwords as necessary."

This last option seems to me to mean that you could have a dictionary file as a source database.