You forgot the third kind of marriage: the one where the people involved screw up early on, learn how to be married from those mistakes, and spend a long and happy life together.
You are right on the cusp of this kind of marriage in EvE because you made mistakes and now have the option to either learn from them or be miserable.
Mistake #1: That Higgs anchor is a horrible choice for a hauler. Why? Because when you warp to zero, you don’t really warp to zero, you warp to a 5km sphere centered on zero. If you land on the closer side of that sphere, you still have to cross that 2.5km using just your engines. That Higgs anchor may make you align stupid fast, but it also makes you a sitting duck if you get an unlucky landing. I’d wager that’s what happened to you with this kill. (This happens for all ships warping, not just DSTs obviously.)
Mistake #2: Your overall fit is…weird. I understand you skipping out on agility because you felt the Higgs rig was all you needed, and I can understand the warp core stabs, especially if you’re transiting losec (better pray they don’t have a HIC though), but why in the name of Bob would you fit cap power relays? The MWD and ECM burst on your fit won’t ever be run for more than a cycle or two so why the strong need for cap recharge?
The cardinal rule of hauling is this: fit for tank, fit for agility, or fit for failure. You fit for failure, so you got ganked. Either make yourself such a tough nut to crack that gankers won’t bother (or can’t succeed), or make yourself so slippery that they never even get the chance. I prefer the second one personally.
As for your actual proposal (no pun intended) of warp scramble immunity, that is patently absurd on its face. Very few ships have immunity to non-targeted warp scrambling, and no ship in EvE is currently immune to targeted warp scrambling (barring instances where they are already unable to warp). Such a change would be hugely overpowered. And if you you’re interested in warping cloaked while hauling, I suggest looking at the dedicated T2 haulers that already exist for such things.
Having said all of that, I do agree that being able to judge the relative safety of a route using only in-game utilities can be complicated. But there exist ample out-of-game resources that are quick and easy to use. While I’ve often questioned CCP’s approach to doing things this way with in-game functionality (market, map, kills, etc.) it seems pretty ingrained in the game so I wouldn’t expect it to change anytime soon.
As for the CSM…all I can ever do when asked about them is shake my head and shrug…