I would be actively working on my iPad and listening to music or other audio when it would happen. So it has nothing to do with sleep. And audio WAS playing when it occurred. For me at least it happens when I am actively using my iPad and suddenly no network; even though WiFi icon shows full bars. Unplug 10 seconds and network returns. Reconnect and continue working using headphones until it occurs again. Usually every 2 to 4 hours of use.
So out of these 3 only (1) is correct for me.
I’d be interested in seeing if you can try to narrow down the exact conditions it happens under. It should be repeatable.
I listen via the headphone adapter or a usb dac all day at work and those conditions have been totally repeatable for me. I can listen for hours with no loss, but if I pause the music to talk to a colleague I’m guaranteed to lose it if the iPad locks on its own.