Hehe well, I try to offer good advice to you Slevin and I'm a relatively new member! I hope your break goes well for you, and you can come back stronger. Just remember that, if you've been trying to look for something for this long, and can't find it. A lot of what the negative criticisms you're getting might sadly be true.

Bankroll, I think is really important.. You don't even need the bankroll to be deposited into an engine. Your bankroll can be what you mentally set aside for playing. If you want to play 10NL, make sure you know that the money you win or lose, won't affect your financial ability.