Also, MPL or integrated is very much all or nothing.
By going Modular you can effectively stop and assess at each stage. Your PPL and first hundred hours are about having fun. Once you have passed the ATPL exams you have a 3 year clock ticking and your next 100 hours will be more professionally focused: CBIR, MEP, MEIR and CPL. If the market takes a downturn you have the option to finish everything single engine (for about what you have saved) Then you can just sit on it and let everything expire. When the market recovers you can get your MEIR and MCC