I totally get where you're coming from. The squatter situation is extremely frustrating to be sure and isn't getting better any time soon. If you can't make a trademark claim, it will be extremely difficult to get someone to sell who has no interest in selling.
With regards to settling, I hear what you're saying. I just personally feel that the .net is too big of an issue to overcome. Whether we like it or not, people have been trained to throw a .com after everything. If they see a mention of your brand, they'll likely assume the website will be located at [yourbrandname].com. If you are using a domain with a .net and someone else has the .com, expect to see quite a bit of your traffic go to the .com.
Think about all the names of companies and brands that are complete nonsense words (or extremely obscure words). Grabbing a URL that is keyword focused will potentially help you with SEO, but it is often extremely difficult to build a long term brand around. Also, keep in mind that keyword rich URLs may help in the short term for SEO purposes, but they can be extremely limiting if the company wants to expand beyond the keywords. Even Moz had to go through this, changing from SEOMoz.org to Moz.com (as the old name limited the brand to being solely focused on SEO).
Hope this helps!
Mike