Well thank you Sir for implying the answer was not 'sensible'. It was brutally honest.
From your last post, the answer to the last paragraph is 'both'. It's a question of does the first outweigh the second. If the second outweighs the first, go into banking. Maybe you'll grow to love the 7.15 train to Waterloo! Let's face it, many of the main attractions have gone- final salary pensions, staff travel not very good, enormously long days, hard work when you are dog tired. You need something to keep you at it- don't get upset with me if you haven't got it- flying's either a calling or not. If not, don't waste the time, money or effort to get there.