For you I would suggest- stop. You're asking all the wrong questions. The question on whether to use an incubator or not is so far down the road its not even funny. That's step 12 or so. You're at step 1.
Find a problem. Figure out a solution. Market test and focus group to try and figure out if your idea for a solution actually is a solution. Then come up with a business plan- a fully detailed one. Make sure you think you can actually be profitable in a reasonable time. After that, write your MVP (here is where you may consider hiring or quitting your job, but it may not be time yet). Then, depending on the business plan you have, either start selling or go to investors.