Normally i would say get the IR(R). It will teach you everything you need to know for the 'full' IR - it's practially the same flight test, just done with less hours. Once you have the 50 hours cross country you can upgrade it via CBIR. Having the IR first will save you a fortune and knock 10 hours off the CPL course. Unfortunately you're already well over budget with the dual hours to make significant savings, but it's still worth running the numbers compared to a regular sim-based route.