Great length, smart topic, well written!
Please post another, I'll read more
Relating to the post, my girlfriend and I are cutting costs by doing something fun: travel! We're planning to wander to four different countries in Southeast Asia through the course of a year (we just started in Chiang Mai, Thailand). Beyond saving us a lot of cash, living in a different part of world has always been a dream of ours. We're very happy so far with the decision -- I'm working on the game during the day and we're exploring an entirely new culture together at night and on weekends. It may not work for everyone, but something to consider for indie devs who have the freedom and desire to do it.
EDIT: Dammit, my reply sounds like a bot just trying to get clicks. No, really, I read your post and genuinely like it. Being a fellow one man team, I've had to ask the same funding and scheduling questions, so it's interesting to see different answers to the same problem! AAA experience also helped me grasp some time buffering, though I've barely started on my own so I imagine I may fall into similar pits.
Just wanted to share my travel solution in case others hadn't thought of it -- seems it's a rare course to take, even though many solo-indies are young and have a lot of location freedom. Could broaden ideas and challenge designs in new ways (at least, that's what I'm hoping!).
Anyway, good luck with launching your game, Dewfreak83! I'll keep up on your posts