Your horizon description under Method 2 is the preferred option since it objectively describes what a person observes in the horizon. The individual thicknesses of the fine sandy loam and clay loam strata (in mm or cm, as appropriate) would also be useful information to describe. If the mixed or average texture class of the stratified horizon is a loam, that estimated data could be added to the horizon description as a statement following the descriptions of the observed strata, such as the following example,