It sounds to me as though you are quoting from web sites and brochures without really applying a modicum of common sense or other peoples experience. An example of this is your initial post where you list a fATPL. Ask around - this is a semi official term for a CPL/IR. It isn't a course in it's own right.
Spend a bit of time searching here for peoples opinions on the best route. Cheapest isn't necessarily best - especially if you want to come back to UK and work.
One thing I would say is that I estimate my training was around £35k in the UK (apart from SA PPL). obviously lived at home so wasn't paying a lot of living expenses. If you can do the same it may be worthwhile staying here.
I will agree with above though, a year is a tight schedule to stick to.