I don't feel that it's my place to answer someones questions with my opinion of the situation they are asking about. While at this time in my life, I wouldn't consider the OP's living situation, but in my 20's while in college, I most likely would have if I had thought of it. The OP seems to have his head screwed on right and is asking good questions. Typically, this is the exact opposite of what then naysayers complain about - young people being rude and inconsiderate. I'll bet those last two words have been used thousands of times on this site - some by the very posters exhibiting that very behavior.
Hopefully the OP comes back to share his experiences and figures out how to use the block function.