As a Cat 5 I would skip the TT unless you want to become a TT specialist and want the experience. You pay $'s to enter the TT and don't get anything toward your upgrade with a TT.

Do the crit and the circuit. Lots of folks think that road races are safer than crits/circuits, but my experience is that there are a lot more crashes in road races and the crashes are worse. It isn't logical, but that is my experience.