CZ,
When I came back from the States with my CPL a lot of the punters asked whether that meant I was going to leave and pursuit a career in aviation.
My mortgage is way to big to be able to afford anything like that!
Nope just have some extra time on my hands next year and having a JAR IR would mean that I can fly even more aeroplanes in the airways.
I will never want to do any commercial flying so doing the ATPL would be a waste of time and energy, besides I am of course not clever enough to do all of them!
FD