A quick look around shows the cost of an average CPL in Australia roughly about $70k, IR about $20k, and ATPL theory and MCC about $5k each.
From the FTA website it's about $125k from zero to CPL, IR, ATPL and MCC as part of their Academy course.
Not too much of an extra expense for a more defined career path IMHO.
If you don't go to a big money grab school you should be able to get a CPL with NVFR for $60k or less. MEIR is about $20k and ATPL about $5k if you mostly self study (it is possible). No need to waste money on an MCC. So $85k versus $120k isn't something I can rationalize by thinking that a big name school will help you with a job. It won't and can sometimes hurt you as some employers have bad experiences with sausage factory grads