As someone who had this scenario already twice, I can tell you with certainty the best approach, just train with that bot until you hit high combat (B or A) and sell it right away. You get huge injection of income + you can train bots into combat when that social training event triggers.
It is really weird how fast you can hit high combat skill training with just one bot in a few days, compared to the boxing and the neighborhood event.
I think you shouldn't find high combat/social trained bots in the dump, I know anyone can change it easily from the files. Or maybe you can't train from bots but the code to learn from bots is probably from the base DSCS.
I just started playing hardcore recently, had two runs back to back, vanilla SR24 (14.0) with just BGM mod and like you said, if you get unlucky, just stall with the loan and you grind your way into a good run. Maybe this is a good game design decision, I really don't know much about the nuance of good game design.
All that aside, I really really think it would be fun to implement a power system, like parts consume power and a power core provides power. Probably base power from the bot itself too. Or maybe power core reduces stability decrease from work. Just floating ideas
