Speedbird, you use the correct term; GAMBLE
Would you feel comfortable sitting at the roulette wheel with 60k riding on whether it comes up Red or Black? This flying gig looks good from the outside but once you are in it, it is a no holds barred roller-coaster ride.
It takes no prisoners on your finances and your relationships. No doubt there will be the barrage of "Go For It" messages, but those guys aren't spending your money.
Throw away the rose tinted spectacles about the glamour of flying. Think of this as a business venture, you are going to spend a large amount of money on a risky investment that will not give you a return on investment until at least year 5 (assuming you get a job within 3-6 months of completing training).
If you think I am being as harsh as Mr Magoo, then get used to it, some of the de-briefs you will get during you flying will be even worse. You will have your confidence in your flying ability analysed with a microscope.
Just another wee point, why the APP course? Modular will get you the same bits of paper and save you enough to buy a type rating (if you really feel the need to buy one)
Maybe I am just cynical though.