Hi,
I think that you put too many things into one basket. Sort your thoughts. Have you tried E. de Bono's model of the six hats if you look at a job?

It was just not suitable as a new graduate with little experience of the more "business" aspect of physio.
You are absolutely right.

1) Training
You need to decide at what stage of Physio you are. Honestly - looking back at many years of working with new grad Physios - you haven't got a clue yet as to what is going on in the "real" world. You will need to do a lot of learning (theory and practice) until you have reached a stage in which you can confidently work on your own. No, it doesn't have to be 1:1, group sessions are fine and are often benficial to see a situation from many different angles.

2) Contract
I see it like this:
Employment: regular income, training included, supervision included, always someone on hand to bounce off ideas and get feedback, easy to take a holiday, help with setting up PDP and objectives. Does not matter whether this is in a private clinic or hospital or rehab centre or wherever. Some places do not pay for external training of their employees or you have to sign a contract and "work it off" for a specified amount of time - which is actually fair enough.
Contracting: insecure income, you will have to take care of getting clients, seeing them, ensuring cover when you are on leave, do your own taxation, be very good at budgetting (no private or public holiday pay), pay for your own supervision and training; if you contract to several clinics (if they let you), you need to be careful of "company piracy" as I call it
Self-employed:added to above is rent for rooms, paying for advertising, getting business approved, audits, extra insurances, etc.

I recommend employment to all new grads. Much less stress on financial side and you can focus on your own professional physio-related development better.

Good luck,
Fyzzio