David Bawer
Really? Who quoted that? Unless you need to build hours to 250 it should be a CPL check ride in a single as long as you have the required x country and PIC you can attempt the skills test whenever your instructor thinks your ready. A few hours dual in FAA airspace should be enough to get you familiar with procedures and the few FAA maneuvers required for the check ride.
The IR with multi add on should be around 10k USD. Test fees and some ground school for the CPL exam and oral prep should cost 2-3k USD.
Even adding 5k for accommodation, flight etc it should be less than 20k USD. Even adding 50 hours time building will only be another 6k.