Hey Mr Squirrel,
What research did you actually do before you set forth on your quest for the shiny licence ?
as far as the UK is concerned the most superficial meagre research will tell you that a 200 hour CPL(H) has no chance of work.
many many times on this board it has been stated that the low risk option is to build the cost of the additional hourbuilding and an instructor rating into your projections. i.e in your case 50 more hours to build plus the 30 hour course, then at least you have a good chance of becoming high time via flight instruction.
on the other hand if you are another of those guys who wants to straight to the "good stuff" without doing instructing because you consider it "crap " or " boring" then I have no sympathy.
I am suspicous of your research because you made that comment about "12 hours" to keep your rating current.
like whirlygig I am interested to find out the full story of how you found yourself where you are. will you tell us ?
regards
CF