Your FAA PPL will include night "rating" but you will need to buy a car if you plan on any lengthy stay in the US or Canada.
BASA will likely not apply to UK license holders as the UK leaves the EU and BASA is an EU-US agreement.
Add more time and money to your contingency, 10% is slim, 30% is more realistic.
Where do you plan to train overseas? Living costs add up quickly and should be a separate line in your budget.