$45k to fly an old clapped out -200? It shows what a sad state our industry is in when someone even has to ask that question.
First of all you probably know what the majority of folks here think about buying your own TR. Secondly, you say an ATR provides no job surity. Although certain types are more desirable than others no type out there means you are sure to get a job. If you do end up paying for a type the only blame you can put should you end up just as jobless after getting the type as prior, is on yourself.
I think you can figure out what my answer to your question is, without spelling it out.