"Didn't need to"or "Needn't have"?

She took her money with her, but her boyfriend paid.

• She didn't have to take her money with her because her boyfriend paid.

• She needn't have taken her money with her because her boyfriend paid.

She didn't take her money with her; her boyfriend always paid.

• She didn't need to take her money with her; her boyfriend always paid.

• She needn't have taken her money with her; her boyfriend always paid.

Although she bought some suntan oil, it rained every day of the holiday.

• She didn't have to buy suntan oil, it rained every day of the holiday.

• She needn't have bought any suntan oil, it rained every day of the holiday.

He went to the meeting and found out it had been put off.

• He needn't have gone to the meeting because it had been put off.

• He didn't need to go to the meeting, because it had been put off.

As he knew there was a buffet car on the train, he didn't take any sandwiches.

• He needn't have taken any sandwiches with him because there was a car buffet on the train.

• He didn't need to take any sandwiches, for he knew there was a buffet car on the train.

They rang the landlady, but the flat had already been let.

• They needn't have rung the landlady since the flat had already been let.

• They didn't ring the landlady because the flat has already been let.

We didn't pack our towels because we had been told the hotel would provide some.

• We didn't need to pack our towels because we had been told the hotel would provide some.

• We needn't have packed our towels because we had been told the hotel would provide some.

I was going to ring my mother yesterday. However, she unexpectedly came to see me.

• I needn't have rung my mother yesterday, because she came to see me.

• I didn't need to call my mom yesterday, because she unexpectedly came to see me.

I cleaned my shoes and then walked across a muddy field.

• I needn't have cleaned my shoes. If only I'd imagined I would then walk across a muddy field.

• I didn't need to clean my shoes because I walked across a muddy field.

I didn't tell her I loved her but she knew it anyway.

• I didn't need to tell her I loved her but she knew it anyway.

• I needn't have told her I loved her but she knew it anyway.