Thanks for the input guys.
I have considered doing courses "at risk" in order to get them out of the way and on the assumption I can get my medical certification back in time for when I submit the relevant license/rating application (I think you don't even need the medical for the actual test, only to be issued with the qualification). Unfortunately not only is the CPL out of reach due to the hour requirements pre-test, but so is the IR. I think I'm short by about 10 hours of PIC cross-country time (50 required before course)!