Personally, I don't buy this idea that Hillary is unelectable. Sure, she's polarising, but so was Bush. She's seen as a radical, but so was Bush. A lot of people will vote against her, as many others did with Bush. No, I think she's in with a shout.
Bush is seen as a radical? Maybe now, but not in 2000. Nor was he that polarizing in 2000.
Bush was seen as pretty radical and polarizing in 2004 though, and he won then. I think Hillarycan beat an average Republican candidate, she could probably beat an above average candidate, but that would be a very very close race, where the independent would probably cost the republicans the race. like a Bloomberg independent campaign.