I would advise modular, gives the flexibility fraction of the price. And allows you to start sooner rather than later while still saving. The market is good at the moment, though always hard to predict what it will look like in 18-24 months. At the moment, there are airlines out there recruiting who will fund your type rating with no up front cost. If you delayed a year or so to save the money for the type rating to find you didn't need it then that could be time wasted that you could have otherwise been flying (but nice to have that money laying around!)
I went modular with no funds set aside for type rating and secured a role with a bonded type rating. Though I wouldn't have predicted that 12 months ago. It's worth the risk though, and if you get to the end and do need to pay for the type rating - borrow the money then would be my opinion.