Answer:
She was, however, too tired to make the trip.
Step-by-step explanation:
The second option, as is, means that the speaker is talking to someone other than Jane and telling them that it's up to them to finish her. It needs a comma after "finish" to represent the speaker addressing Jane. "It is up to you to finish, Jane."
The third option has a comma it doesn't need. When there are only two items listed, no comma is needed. Three or more need a comma.