Thanks for pointing me to Cap804 but not sure what you're saying with the rest of your post.
In the long run, I'll be wanting to do both CPL and ATPL anyway but worse-case scenario is that I won't have the funding to go all the way to the end and that's why I'm looking at doing some FI work to keep myself in the scene, earn some extra cash alongside my current job, and continue saving up for the rest of the training (or paying for the loans taken out). I guess the question here is what's the cheapest way to get remuneration for flying, be it flight instructing or banner towing or glider towing or hauling up skydivers?
I'd like to be useful sooner rather than later so IR and night flying would be useful, I think.