Temp-to-hire offer, worth it? - what worked for you?

The pay is fair but there are no benefits. I do not usually post, so bear with me. I have 9 months of savings left.

I took a contract and it converted after four months. The time also kept my skills current.

Thanks for writing this out. I went through something close to it last year, and it settled down once I kept a simple log of every call and form.