regards the pay issue, Parlours/agencies may seem lower, but the volume of work is usualy higher, and the money in your hand is yours, going indie, you have all the usual outgoings, less on an outcall, but still the travel costs, work down time while traveling preparing, advertising, so it all balances out at the end
The buddy scheme, is a fab idea, and i think would benefit you, as if you go the indie route, its somebody there for your security, and more