I was in a similar situation this spring, subbing for this group that rehearsed and played on the complete other side of the Denver metro area - it was a 50 mile one way drive to rehearsals. The gigs were up there too, and these guys were making so little that they might have come out of pocket to pay my $100 fee once or twice. If I were relying on music for income, it would have been nonsensical.
In other news, though, I do think it is harder to grow musically without playing together with other musicians. Sort of a "the bullets are live" thing.
Absolutely. There's nothing like learning in a live situation where the only thing you truly control is yourself. Do it right and you can get a much better grasp of what it takes to work effectively in an ensemble. Or you could remain oblivious and just be another problem for others.

+100000