Your missing an important point BroomstickPilot. If you dont get an Instrument Rating within 3 years, you lose the ATPL credit anyway. If you plan to use an IR commercially, it will need to be a Multi Engine IR. ME/IR will add between £12000-£18000 to your training costs.
RudeNot2 You need to decide exactly what you want to do with your flying career and also what your budget will stretch too.
