Jack can survive even if she isn't loyal. I'm not sure what triggers her death but when I finished the game, I selected almost the same characters that you did. In the last part of the game, when I selected Tali and Grunt, Jack and everyone else lived (Jack was the only one non loyal). When I selected other characters at the end, Jack died (it didn't matter if she was with me or not).
Interesting. Wonder what cues deaths for party members then?
I'm not sure what he is, but I don't trust him. That said, I did save the Collectors base for him. The first time I played, I destroyed the base but then I regretted it and loaded a saved game to change the ending. I think Shepard owes him something. I mean if it wasn't for the Illusive man, Shepard would be dead and there wouldn't be a new Normandy. Now I feel like we are even



.
I like the way you look at things. I felt as though I had to inject my own feelings into the game to make it more interesting...not a good sign.
edit
About the girls,
Kelly is my favorite. Miranda doesn't look as good as the actress she was supposed to look like and I don't like her personality although she is hot. Jack is just crazy, although she is kind of sexy. Tali is just ok. Samara is nice but you can't have a relationship with her. Morinth will kill you if you try something with her.
I'm glad I read an article about the characters while I was playing the game, or Kelly would probably die at the end.