You only live once.
I don't now if i'm reading this post right, but if you want to be a pilot and the RAF can`t offer you a post then leave now! No matter how old you are time is not on your side.
After failing OATC and considering NCA I went from J/T (with PPL) to Civ Jet Cpt in 8 Years largely on the advice of a wise Gp Capt (Stn Cmdr) who suggested that the RAF were not the only people that fly aircraft for a living. "If you want to be a pilot, why become a flight engineer?" There wasn`t a lot of RAF aircrew recruiting going on at the time and I stood no chance, especially as the board correctly determined I had no desire or aptitude to fly fast jets.
If your goal is NCA irrespective of flavour ignore the above...