Apart from the fact that you may get taxed more after a CPL, you probably would not be doing any twin time until you hit at least 500 hours.
It looks good it the logbook, but Ive got a buddy who did it that way, and has not flown a twin in 5 years. That was 3k that could have gone into his intructors or instrument rating later on that was just wasted.
Obviously its your choice, by if you have just come out of a PPL, do you think a) you could handle something at possibly twice the speed you are used to, b) not being able to play with the toys
and like you pointed out c) not being able to afford it. Hopefully you choose right, not saying which was is, but I teach my students this way
PPL
CPL
Instructors
Instrument
ATPL
Good luck