$30 something a check for the cheapest insurance, ~$80(?) for the most expensive (single).
175 or CRJ. CRJ gets Delta and Untied, possibly one more airline depending on where you're based. 175 gets United and Alaska (?).
3.5 years and falling. I wouldn't be surprised if 2013 hires saw upgrade in the next 6 months.
I think if you're breathing and a decent person with a workable background you'll be hired.
What better option is there right now?