Hi grass strip basher,
No, I didn't factor in the cost of giving up work. Whichever route I take I'm going to do full time, so the timing is equal. I have heard that it is possible to do modular in a year and work at the same time. But I'm told that that is seriously hard work and takes mega-discipline! I'm told that it generally takes much longer.
Maybe I am falling for the marketing talk of the integrated schools, but I've spoken with the cheif pilots from three major UK airlines (not just at the show the other week) and they have told me that they prefer integrated candidates.