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Its a tricky one. I work in schedule low cost and would not recommend that right now, the rostering is getting crazier by the year.
In November when most of the charter guys slow down, we will still be working at a similar level to the summer.(I accept it does depend on company/ fleet / basing etc in the charter world).
As for night flying, I'm doing more right now than I ever did in charter.
Do lots of research and ask people actually doing the job for their opinions, often the perception and the reality are very different.
Good Luck and if you find something nice let me know!