Hi Jobsworth,
The 50k question!
I think it can only be you who makes that decision! How much do you want to do it?
There are probably thousands of people in the UK who have fATPL's all fighting for the same jobs! BUT, the outlook to the future is looking better. Next year is looking better, lots of rumours of jobs coming up in the new year.
If you are going to do it, you need to be doing it now - your not getting any younger!
Regards,
cabdriver