None of them are correct. The title is used to represent the title of the table, and not as a mechanism for arranging form fields. As you mentioned, I would use <label>. Tables should be used to represent tabular data.
, , , <th> . , <thead> <tbody>:
<table>
<thead>
<tr>
<th>Heading 1</th>
<th>Heading 2</th>
</tr>
</thead>
<tbody>
<tr>
<td>Row 1 Col 1 Data</td>
<td>Row 1 Col 2 Data</td>
</tr>
<tr>
<td>Row 2 Col 1 Data</td>
<td>Row 2 Col 2 Data</td>
</tr>
</tbody>
</table>
, , .
, <tfoot> , .