Pesonally I'm on the "if you're going to fly in this country then learn in this country" band wagon.
However as you already have 38.5 hours of flying in this country you are already aware of the atc, weather and other procedures that this country has to offer.
So I'd be inclined in your case to jump on the other band wagon and get over to the USA with your converted dollars with the nice exchange rate and finish off your course over there.
That will give you your JAA PPL (if you go to a JAA school) within the space of a couple of weeks.
You can also at the same time gain a full FAA PPL if you do an extra ground exam and flight test after learning a couple of ground reference manouvers.
Also you'd have experience of flying in the USA which will work in your favour if you then decide at a later date to take your other half for a flying holiday around the States.
If you do decide on the USA then ensure you take a completed PPL Application form with all of your ground exam results and signed off by the CFI at the school in the UK.
Best wishes,
Charlie Zulu.