2-4 hours a night is a lot mate, most of us don't spend that long on there on weeknights
*everyone* is useful in lowsec. You could train something like a blackbird and be invaluable to a fleet, although if you tell us what kind of things you like to do we can build it around that. For example, I almost always fly a support ship of some kind (and have high skills in that area), while Storm goes for pure DPS.
Voice is hugely useful, I won't hide that, but it's not required. FC's are always required to have a microphone, so if you want to train to command fleets, you'll need one. Having said that, poundland sell basic ones, so no excuse
As for agents. There are L1 ->4 within one jump of our location with Amarr. We can grind you to L3's in no time L4's within a week probably.
Any ship losses in low sec (assuming its a cruiser / frig) I don't mind covering for you. They are that cheap anyway, we'll chuck ships your way
If you need a mission running ship to bring in ISK, I'll help you fund that