Alright, I guess everyone is flying... or my story to long to read.
I got a few answers from elsewhere so I got things pretty much sorted. Just need to find out a complete breakdown of the flight training in canadian licence. Canadian CPL(H) is only 105hrs where NZ one is 150hrs... what kind of stuff we do here in NZ that Canooks don't is a big question now. The price is about the same on both licences... That 45hrs is a lot for a newbie pilot.
However, I would like to get a few comments anyway.
Cheers!