A couple of thoughts:
- 124 perks is a discount price. It's almost as low as you can get, so no big loss.
- Me 262 isn't actually
that fragile (apart from the engines). It's just very easy to push her over the limits. Seems you are learning the hard way that pointing nose down in this aerodynamically very clean aircraft let's you gain speed very quickly. You should have done a generous spiral descend with throttle full back and full rudder deflection. Watch your G-meter (no sudden control inputs!) and listen if you airframe starts to groan...
- Like with other planes, you will have to learn the limits. A smart way would be reckless practicing either offline or in TA. The less smart way is burning perks in MA

- You should have attempted to land. If you bail, you plane is lost for sure. If you try to land, it's
perhaps lost. You can land a 262 with no engine and no airlerons. It's not easy, but the only way to learn it is to do it.