Good advice.

One I was a chief pilot of a small airline operating 19 seaters and a low time FO came to me and said he got a job at a regional to fly a Saab 340 (30+ seater).

I told him he wasn't ready and should stick around, build some time, upgrade, and then move on to an even better job later. At that time regionals didn't hesitate to wash out substandard performers.

Sure enough he thought I was just giving him a line of BS to keep him around. He went, washed out of training, and came back to me all apologetic. I couldn't hire him back but I wrote a good letter for him and he found another job. He went to a place that furloughed him in a year. I lost track of him after that.

Decent guy and I hope he did well but my point is that the OP is absolutely correct that jumping the gun can hurt you sometimes more than it helps. A failed checkride follows your career these days. Think out your moves carefully.