I don't have specific help on your issues, but I do have some overall advice: don't stress about it: if you want one and can buy it, just get it. I broke down a few years ago and got an M4 and some lenses because I knew I would not lose money on them and I just wanted to try it out. I used it for a few years and actually made money on the kit as a whole. So I was able to use it free! This is the beauty of Leica, Hasselblad, etc: the pricing is very stable and you have to overpay up front to really screw up!
I got rid of mine because it made me nervous walking around w/ thousands of dollars in 35 mm equipment when my much cheaper Nikon delivered what I consider to be about equal results. Decided to spend big bucks on larger formats.
Just do it. You can always dump it.