All I’ll say is shop around, which ever way you do it it’s going to cost you above and beyond the headline fees. Do not rule out modular at some small FTO as they can be the best places to network, but if your goal is to get straight into an airline job then the tagged schemes are probably the area to explore at the moment whilst things are good. Ryanair are running one these days too which doesn’t seem to cost much more than I ended up paying out for modular.
Unless Im looking at something totally different, Ryanairs new scheme with Skyborne is £131k - very very hefty indeed. Unless you're talking about something else? That would definetly be out of my reach but doing Modular with a mix of a schools commercial package wouldn't - hopefully others have experience with mixing these or something else i've missed.