Well, time has passed and I have been gone so long I lost my login details for this account.
I have, however, made my decision and things seem to be going well.
I still work in IT and am in the process of doing my commercial part time. I have decided to instruct part time, where the money is not, earn a comfortable income and still be able to fly.
I think part-time instruction will suit me well as I will still get up most days wanting to get airborne rather than thinking, "Hmm, not another bunch of touri to move between A and B."
So for the moment I am happy and still thoroughly enjoy flying.
thanks for the input guys!