You will get very little credit for holding a PPL on an integrated course also you might feel out of place with most half your age and of a different mindset. Stick to pay as you go modular, I can assure you that it is perfectly possible to complete a modular UK/EASA FrATPL in the same or occasionally less time than integrated course if you work at it full-time. Also as discussed on other threads the financial risks are significantly reduced, I know a number of former student of a similar age do very well in the corporate sector (biz jets).
All the best - now go and get a class one medical.