Thanks you have been great helping me out.
Are you saying those 3 things you listed should be mentioned in my Apology Letter? They are all 3 true. I didn't realize til now! Guess it would help pointing those things out.
I am saying an "apology letter" for a 4 year overstayer is basically an insult to those on the policy side, like an ECO. Everybody in the
whole world is sorry about their previous infractions when they apply for entry clearance. What else would they be? And when they read such a letter, they are thinking, "...she's sorry alright. Sorry she got caught..."
Not even the most compassionate circumstances can warrant a 4 year overstay, lawyer notwithsanding, because an in-country switch has been against the rules since 2003. So all the expostulations you can make, however ardently, will fall on deaf ears. Most of the ECO's posted in the US have been around the block and have heard it all a zillion times before in places where people did MORE than just quietly overstay.
And when they get bored reading a naive contrivance, they are likely to miss the imporant stuff, like the points I mentioned. So I suggest keeping it brief and focusing on the stuff they will be interested in. Like did you work, how did you support yourself, and blah blah blah.........