Although he was talking about going from 0hrs to employment, Camp Freddie summarized it best in
this thread:
CPL(H) only £40k approx high risk, no chance of employent
CPL(H) + FI rating £60k approx, low risk much better chance of employment but rewards can be low until you become high time
CPL(H) + IR £70k high risk, potentially high returns is you get to the north sea, jobs scarce at present
spend smart go for the middle one
Regards,
B73