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It seems that this is great opportunity for email hosting startup right here. A lot of people in your situation now.

I'd be willing to pay a dollar a month for a daily email flow of like 1-10 Max a day in, 2 out.

Well, Max being "regular maximum I've goo ten so far" hot a hard limit.

But also why I choose Microsoft or Google would be because of decent spam detection and overall filtering,

pobox.com is $20 per year, which is $1.67 per month

It seems appealing except the lack of IMAP and/or POP access.

How am I to see email notifications on my phone or through a simple email client on my desktop?

Hm? How is free email hosting a great opportunity in 2014?