@B2: You’re right about not going integrated now. That would be an insane decision. £100k is a lot of money to spend to get a job driving an Asda truck.
If you were to start today going modular, keeping your current job, and going as slow as possible without running up any debt would be the only option worth even considering.
There are very few GA jobs in Europe compared to the USA so hour-building in GA is not as realistic as prospect as you make it sound.