I managed to keep flying whilst studying, but I had the advantage of not having a family to worry about, so I could fly on Saturday and study on Sunday.
G-SXTY, sounds like you've already worked out what your options are, so it's up to you to decide which one's best. How many hours do you have? How many do you still need to build before starting the CPL? Nothing wrong with having to spend the first few hours after you finish the exams "getting back into it", with an instructor if necessary, if that's what it comes down to, although carrying on flying whilst studying does relieve the boredom of reading the books every single day!
Good luck!
FFF
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