NSF, I believe you are pretty close to the mark with that post. However, can I just temper your opinion with one of my own.
The 195 is still pretty much in its infancy and has already proved itself to be efficient and reliable beyond expectations. I believe it is a very attractive proposition for the future. What with the downturn in the travel industry, and the upturn in fuel prices, smaller more efficient aircraft could become more popular, a la Dash 8.
With whispers of BMI interested in the 195 and a very feint whisper from Jet2 who knows how popular the 195 will become in the next decade or so. I, for one, shall wait and see.
And besides heavy jet time on any type wont do you any harm whatsoever.
But I agree with you...for now.
P.S. The 195 has got FBW, ok not as expansive as the Airbus, but it does have the all important Alpha Floor protection or whatever you Airbus lot call it.