Tough call, ultimately. For me, going modular was a matter of keeping my backup career active and doing it for less $$$.
I would only spend the big bucks on a set cadet scheme - not for an integrated course with no airlines affiliated. My general impression is that at our age, operators will understand why you donīt just cop out and do nothing but flight training. We do have obligations.
My personal conclusion was: the difference in cost is not translating into a proportionate difference in opportunities.