I've learned that my jet time is fairly valuable. I was recently hired for a 135 charter/jet local outfit, and many of their new hires lack jet experience. Before this gig I was a regional FO and regional CA for a bit...got out of the business a few years ago, and am now back in via the charter gig.

Regionals will give you a decent scheduled life, but as with any flying job, you tend to revolve your life around when you're not flying. No reason to let that get in the way of enjoying yourself though...I follow the other votes, do the regional thing, get some jet experience, and keep putting in applications to charter outfits that fit your needs/dreams.

Also recommend finding a regional that doesn't have a training contract (do any still have training contracts?)