...plus 15% company pension and full private healthcare for the family. And no Type-rating costs whatsoever (they may be bonding now, but pre-covid I wasn't bonded at all). So lob that onto your £82k. Any LCCs offer a free type rating, full PHI, and 15% pension?
Horses for courses, though: Stay low-cost and fly to ALC & back 5 times a week in four stripes for the next forty years, if you like. Personally I'd had enough; I am enjoying my flying and the social/travel aspects of the company, and just about manage to scrape by on a meagre £104k/yr as impoverished FO.
But, as above, not for everybody.