Our first joint dog was a rescue cocker, and he was my soul dog
He had some issues (extremely noise sensitive, SA) but he taught us so much and got us hooked onto the breed.
Adopting him led me into volunteering for our local rescue and doing home visits, and I would say your accomodation would be no problem whatsoever....and the fact you are home a lot would tick extra boxes.....(some dogs are handed into rescue as they can't cope with being left for long periods)
Our second was an ex puppy farmed girl from MT
who was a companion to our first. Collectively they were the 'gruesome twosome' ....and now we are on our third
- we only ever have rescue dogs as that's what our parents did, and sadly there are plenty of cockers (and other dogs) who need homes.....
We've never had a problem insuring, even without a date of birth or history. Might depend on the insurance company though. When we adopted them Boysie was 5, Smudge 3, and Charlie 5. All were insured without any problem, if that helps.