Yeah, I think the Netflix option would work very well and the Rucka run would be a good one to adapt. I think that seems the most likely way that the Punisher will be introduced and I would be happy with that.
But I still think The Punisher could work as a film. The last two attempts just plain sucked there is no denying it, but they were pretty lousy attempts. If done right, the Punisher could make an excellent movie but it needs to be done in a way that separates it from the average violent revenge flick. I think it should be done as a true origin story this time, instead of just cramming the backstory into twenty minutes at the beginning of the movie. Show Frank on a mission with a special forces unit to establish his skill set. Show the tragedy that made him the Punisher - but modernize it. As others have pointed out, having his family gunned down by mobsters doesn't really work anymore. A whole family being killed seems like too much to me anyway. Just one person dying is more effective in my opinion. And who wants to see Frank slaughtering drug-dealers and gangsters anymore? Terrorists or human traffickers would be more satisfying nowadays. And this time the Punisher movie could be firmly grounded in the Marvel Cinematic Universe. In addition to conventional weaponry, battle scenes could include Stark tech, or Shield or Hydra weapons. The Punisher could battle a real Marvel villain at some point - maybe even someone that was previously introduced in another Marvel movie like Brock Rumlow (a.k.a. Crossbones) who had a significant role in Captain America 2 and would be a good match for Frank Castle.
A Punisher film could work really well if Marvel puts the same effort into it that they have their other films instead of just producing a B-movie level cookie-cutter revenge gorefest. And casting the right person would be crucial. Someone with dangerous Clint Eastwood eyes. I'm drawing a blank on who could pull it off.