Aiming high 123
I'm thrilled that you only spent 40k on your training. Very well done you!
However you will need to accept that you are entering an industry where you are at the bottom of the pile.
The people in this industry who take time to try and give you the benefit of their experience and point out the pitfalls are the good people, and are the ones you want to befriend and listen to.
Your attitude is incredibly immature as you seem to think that it is some kind of competition between you and people who have already succeeded in this industry. You seem to be blissfully unaware that they have already won.
The attitude you have displayed is the worst kind in new fo's and will earn you no brownie points in the flight deck.
Another little peril of wisdom for you to ignore. No matter how anonymous these forums seem to be aviation is a terrifyingly small world and eventually everyone is identifiable. If I were you I would tone down the attitude because you never know who you might end up sitting next to for hours on end.