You don't need your CFII (instrument instructor) to start working. Just comm/inst and CFI. The next most common rating is your multi engine license.

Yes, top end pay and retirement is $30,000. You only get that if your near the top of the seniority list. But n/b CA's can pull down close to $25,000 a month.
That, and the time off, is why the job is so attractive.

The #540 and #850? We have about 14,700 pilots. It doesn't matter how smart, intelligent, good looking, or stupid dumb and lazy the next pilot hired is, he becomes #14,701. You can't choose other jobs, like 777 FO, or A320 CA, until your seniority improves. Asguys retireyour number improves. A 37 yo hired today would retire around #540. A 40 yo hired today would retire around #850. The longer you spend in the lower numbers the more options and pay you'll have throughout your career.

You'll end up with 209.5 hrs?? This isn't a laser defined path. You'll end up with 210-250 hrs. Weather, in-completes, inefficenient scheduling, busts, redo's, etc, etc.

It's straight forward but a grind - fly a lot, learn, study, be curious. Take opportunities but don't be stupid. Shortcuts are typically a bad idea. You can lose more by doing something stupid then you'll typically gain from the wonderful(!) idea.