My FDL isn't "god rolled" but it
is almost fully engineered. I play in open (unless I want to avoid combat
), and PvP, so it has to be.
Any of the options you listed are
fine (although nobody wants to rebuy).
Running away is a perfectly acceptable solution, and it usually works if you know what to do.
Almost anything can survive long enough to hi-wake against a single opponent.
While I don't encourage anyone to play exclusively in solo mode, there is nothing wrong with staying there until you have the requisite skill to survive in open.