Do the 200h and find somebody to hire an aircraft and negotiate a preferential rate dry or wet but on flight switch. Don't hire the aircraft through the school.
Here with Moorabbin figures assuming you get your PPL around the 75h mark and a C172
Integrated 150h, leaving 75h at VDO rate at $280/h => $21,000. However note that some of those 75h left will be at dual rate which will be around $380/h.
Nonintegrated 200h, leaving 125h at a FS rate of $200/h (wet). That adds up to $25,000. However total flight time includes ground time and ground time is on average total time – 0.2, hence a further saving. Including myself, I know of two other blokes here who did the maths and made the same decision. The flight switch rate that you'll get from private hires will usually be dry and will hover around the $130/h mark. If you commit to hiring over many hours, you'll always have a strong argument to negotiate a bulk discount.
If you're not looking into VET loans and can afford to self fund your training, the nonintegrated is definitely a very interesting option, especially as Stickshift3000 mentioned, it gives you greater flexibility. You will probably not get your CPL for considerably less money but you'll definitely have around 50 additional hours PIC, most cross country, which you would anyway require for your IR. And, indeed, quality of teaching far surpasses any savings considerations you should have.