My two bobs worth:
Given the time and money then I would do it in the UK, and preferably in the area you will do the CPL. However this isn't always possible - wasn't for me due to both constraints.
You seem in favour of the US. I would suggest South Africa however NOT to FTC for a JAA PPL - do a search! You only need an ICAO licence to begin commercial training and in any case converting is easy. Weather in SA is a good mix of cracking days but still interesting enough that your met reports matter. It is a cheap place to live, the scenery is fantastic and there are some cracking x countries to be had if you do some hour building. Go to a school on the coast such as 43 or Algoa.
Either way I agree that coming back here is fine. A couple of hours with an instructor and you'll be fine!!
SK