If you want my £0.02...
hour build, IMC and night after/whilst ATPL TK
full CPL course
FIC
work and build experience//funds
MEP. And IR
work and build experience
APS MCC
Why...? Well, the extra 50hrs P1 required for PPL FI will probably cost you more than the 25 CPL course (which you’d need to do anyway so where you pick up the BIFM 10 hours doesn’t really matter.
Do your CPL and FI at the same place (and hopefully that would do the ME and IR as well).