Embraer can call it whatever purchasing airlines want to aid exec's in squeezing dimes out of employees. Its a 100 seat jet and I have not ever had the bag situation you describe. Regulation bags fit easily straight in. If we help with the myth that it's an "RJ" then we help keep the wages low until a 150 seat version is born and called an "RJ". Then what? Lets stop it now.Embraer disagrees, hence the name, ERJ-190.
No, not even close to a full-size bin. If more than half the passengers bring a rollaboard, they aren't going to fit, because they have to go sideways.
It's a nice enough airplane, and I concur about the middle seats, but don't pretend it's something it isn't.