Hello MisSam,
As Linjo already mentioned, Login VSI can test all 3 scenarios for you and allows you to compare the 3. Login VSI uses prebuilt workloads that simulate a knowledge worker using Microsoft Office, Internet Explorer and Adobe Reader. Login VSI supports application virtualization out of the box. Have a look at http://www.loginvsi.com/
Please note that I am an employee of Login VSI. If you like I can give you a short demo of our product.