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@cyclelove
Intrigued by this as you clearly have some chutzpah and good ideas.
But I have to play devil's advocate...
What's different about Microcosm from existing open-source social networking platforms like BuddyPress (http://BuddyPress.org) which already do all of the things you mention in your list for free?
I'd hazard a guess you could get your wireframes built as working HTML using BuddyPress in less than a month and for less than $1000.
Have you read The Learn Startup methodology by Eric Reiss.... http://theleanstartup.com/, lots of smart ideas for iterating/pivoting ideas fast.
Would happily get involved with strategy and IA/UI decisions if you need any input :)