I"m in the same kind of boat. 320TT and a CE-525s type (met the right person and only reason for the single pilot was a few more things to do on the checkride). I know I'm not insurable as well. That job fell through so doing the CFI thing now. Everyone always wants to bypass it, myself included, but you learn so much in just going through the process of getting it. I did at least. To all my fellow low timers, get the CFI. Even if you don't use it, it makes you better.