Kollel should be an option only for the best of the best, people who will give shiurim, pasken she’eilos, become educators, mashgichim, dayanim or enter other klei kodesh.
Kiruv should only be an option for those who have the personality, likability, secular learning, sophistication, charm, yirat shamayim, and torah learning that shape up. There are several gemaras about the dangers of being immersed around those who aren’t on your madreiga, and for many people, they can easily succumb to the temptations and mores of the general society, r”l.
How about being a balanced Yid, like the Tannaim, Amoraim, and Rambam? Learn a profession, make an honest living, and make time yomam v’laylah to learn. Work and go to regular shiurim and chavrusos.
I feel that I am covering a lot of ground in my own learning, and I think that if I were in a yeshiva or kollel, I’d just be drei-ing around like many others, spending weeks on a single blatt.
For the baal habayis, I suggest being mesayem Shas with Rashi and Tosafos, Rambam, Chumash with the meforshim, Nach, Mishnayos, and Shulchan Aruch with the Nosei Kelim, Mishna Berura, and Sifrei Mussar and Machshava. The bulk of my learning involves Shas and Shulchan Aruch.