Mach E Avelli:
Respectfully, I disagree with your last two points.
One piece of advice that I was given and have taken to heart is: As often as possible, handfly from start up to TOC, and from TOD to shutdown. It will keep your skills sharp, your scan active, and will help you on the day that the autopilot gives up the ghost. The requirement for autopilot for these bits is an early indicator that scan and skills might be declining.
In my opinion, a relationship (doesn't have to be marriage) can be the best thing to keep you sane, solvent and sober. It can also be the most soul destroying thing ever. I do agree its probably cheaper to choose once and wisely, rather than one for every stage of your career.
Although, somebody once joked (?) to me that you are not a real pilot until you've had your first divorce. :-) :-)