The saga of my junk rig.....I need suggestions....

I would fix up the visible problems to make it presentable and take it to a dealer and feel out a possible trade? probably won't happen to your liking but heck, you never know what deal you could walk into that MIGHT work for you.

Insurance. Yes if ya got it use it :)

last, fix all ya can and use it if you are stuck with it. Sorry for your troubles. Sometimes we just get caught in that lousey situation!