If a red dwarf had a Jovian companion it would have oscillation and at our range we would be able to see it. That means little stuff, either not much, or lots of small bodies (< Earth) evenly spaced around it.
AFAIK, the radial velocity method doesn't work too well when the plane of the orbit is highly inclined to the observer.
The gas giant could also be orbiting far out. I think it would be detectable even then, unless it was
seriously far out from the star. And I doubt planets that far from their stars would form easily.
I think asteroidal material at least is certain for Proxima as it is for most stars. There could still be an earthlike planet around Proxima (crude detection methods still have trouble detecting smaller mass planets), and a habitable planet might be even smaller then Earth- as long as it had a magnetic field and an atmosphere thick enough to circulate around the planet it could be habitable.
Proxima is also a variable star, which makes detection more difficult. Although I don't know how much attention it has been given, but it's also entirely possible that we simply haven't looked hard enough.
It would make a great refueling stop for the Sol to Alpha Centauri run (assuming you'd want to slow down for it), or as the hideout for space pirates/ evil bad guy, but the prospect of life or of even a habitable planet are unlikely.
I think that (at least at Sol-ACA distances) speed is more important then fuel mass. And adding a another deceleration and acceleration to the journey will increase risk.
As for piracy, I doubt it would be possible that way. If it could happen at all, it would probably happen in large systems with slower travelling traffic.
And life probably exists where there is abundant liquid water. Complex life is another matter, but I wouldn't be surprised if it developed some interesting traits to combat the flare problem.