The same questions get asked time and time again:
"I'm 23½ - am I too old to become a pilot?"
"Should I go modular or integrated?"
"Is this the best time to start training?"
Is a potential 20 year flying career long enough? If it is then 43 is not too late to start, people are starting in their 50s with diminishing returns obviously.
Would you rather pay £20 for a bottle of wine in a pub or £6 for the same bottle in a supermarket if having some wine was your primary concern? Only go integrated if there is a good reason to do so, like a job offer.
There's never a good time to start training, only a good time to finish training: Modular gives you more control over that while Integrated just spits you out at the end.
My advice to someone who wants to be a pilot but keep their current job as long a possible:
1 Get a class one medical
2 Use your holiday allowance training in Florida in two blocks of 2 weeks. That's enough to get a PPL.
3 Study for the ATPLs alongside your current job. By the time you've finished them you'll have only spent 25% of your budget but done 75% of the work. Then you can either take another 4 weeks holiday the next year or quit and go full time.