Just a clarification: minarchism is 99% freedom and 1% slavery, at least that option doesn't work for me either

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Minarchism just plants the seed of the next tyrannical empire.

small charitable monopoly provides security -> get rich -> charitable monopoly security provider becomes big & tyrannical

perhaps a competitive for-profit security provider(s) would be preferable

Are you describing ANCAP ???

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Competition & choice are the key. For profit or not for profit probably don't matter a whole lot. But I suspect a mutual aid or cooperative sort of arrangement might make more sense where security is concerned than in many other areas.