All those approaches can take a while to implement. With SP2013 with the JSLink functionality, we can quickly inject the headings using jQuery if you just need simple headings or HTML like this:
In this case, I have a solution created in my VS2012 to create the site columns, content type and then the list itself for easy deployment.
In the schema.xml of my list, inside the Forms tag you just have to add your JSLink attributes pointing to your jQuery file and the JSLink file:
And there you go :)