dns
Same advice as above - go slowly modular. In 3 years from now you'll have fresh, current license and you will be ahead of many. Some old hands would retire anyway, some others will not have money to stay current etc.
Getting there modular way for someone who loves aviation is mostly fun. Especially time building if you can afford. And I bet you can if you can afford integrated way.
If you will build time by flying for long weekends from UK to Spain or Croatia it will be absolutely amazing way of learning. SO much better than doing circuits in local school
After all - who knows what the world will be like in 3-5 years from now. Maybe no job for pilots, maybe the savings you have will diminish due to a worldwide crisis.
At least you'll have memories from the air
