No one can predict the future and who knows how serious the current covid thing will ultimately be. What I will say is this. The worst time to train is during a boom. Lack of instructors in the industry makes getting trained is expensive and protracted. Just look at the current delays on all pathways. You never know when the industry is going to go pear shaped so being stuck in the pipeline is the last place you want to be.
Right now, if it was me starting again from scratch, I’d go modular while keeping another job going. Get the lengthy but relatively cheap bits out of the way (PPL then GS). Then look at the state of the industry and make a rolling decision about when to do the shorter expensive bits to make a dash for the finish line as soon as signs of an upturn emerge.