[Cobra]

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~ 36% or c. 2.75:1 (this excludes any other outs you think are good, but in this case and A might be bad since it gives a straight draw life, so I exclued any A as an "out"). So if I'm being offered anything better than 2.75-1 on my pot odds I should call (implied odds probably would lower that to 2-1 if I do hit flush correct?)

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You are confusing the probability that you hit a hand with the odds that you hit a hand. If you have a 36% probability that you will hit a hand that equates to winning 1 in 2.77 times. You subtract 1 from your probability to get your odds required thererore 1 in 2.77 equals odds of 1 to 1.77. So if facing an all in you would need pot odds of 1 to 1.77 not 1 in 2.77.

Cobra