Ozzie,
Nice to see your enthusiasm for flying. When I was 18, with about 70 hours under the belt, I flew to N.Africa in a 300hp seven-seater with the rest of the family. All went well, but now, 35 years and a lot of hours later, I am still learning.
The more you know, the more you realise that there is still a lot more you don't know or ever will know.
I would use that hypothetical money to get an instrument rating instead, do basic aerobatics, get some serious piston engine management course, fly many different types of airplanes, gliders, etc.
There is a group that calls themselves the 'Earthrounders' and they have a website somewhere.
The PPL is a license to learn, nothing more, nothing less.
Good luck.