Morning Luke,
You are correct in that you are absolutely not guaranteed a job with Ryanair after the type rating although it is likely that you will complete a line training program at some point (I think 18k/yr and £15 per hour) so you will probs make an overall loss on your c.35k expenses including TR. I have a similar background to you and I am personally sitting on my hands and paying off loans with a non flying job whilst things improve. You are an experienced professional- don't forget that.