It looks like you've evaluated your options and that's a good thing. Have you considered military?

When I was at Women in Aviation International conference in March each airline gave a brief and Delta told us who they consider to be the "most competitive" to be offered an interview. They listed 1. military and 2. a graduate from a well known flight academy. That doesn't mean that they don't hire folks from other paths because they definitely do that and plenty of Delta pilots have different backgrounds. Do you have a college degree? I'm pretty sure that most majors will require that you have one. That being said, if the military isn't an option and you can afford the time and money to go to ERAU or similar school I think that's a great option for you.

I don't see any bad options that you listed, I just put in my 2 cents since you asked. Good luck!