How far apart are the holes for the spotter arms spaced? Shouldn't be more than 4 inches. While not ideal, a lot of people train with racks that have 4" hole spacing. Benching without a spotter and no safeties isn't advisable. Shit happens. Don't get killed benching.
If you don't have a job and have plenty of time, you can search craigslist every day for home gym equipment. I'd probably skip it if you can make your gym work for $10/mo given your current situation.
You can probably get your form pretty dialed in by recording all of your sets and posting them to the SSC Q&A forum for feedback. In-person coaching is pretty helpful if you can afford it. I guess it just depends on what competing priorities you have other than lifting. Also, depends what your job prospects are like.