Good deal! As a designer I gained quite a few new clients because of coworking. Mostly due to referrals sent my way from fellow coworkers. I wrote a little article about it if you're so inclined: http://harpoonapp.com/blog/post/how-coworking-helped-my-freelance-career

Already been said, but another thumbs up for Betterment. Outstanding product.

Probably depends on the space, but I've had great experiences with coworking. Most places let you try it out with only a monthly commitment, so not much to lose by giving it a go!