Smike,
As it appears that you want to take the modular route to getting your commercial licence, may I suggest one step at a time? Whilst it is a good idea to have a long term goal, by the time you have reached each stage, the rules and job market could easily change as could your ambitions.
So, get your PPL, hour build to CPL whilst studying for professional exams and then take a view on what you want to do next. As you go through your PPL, you wil learn about the requirements, law and get a feel for the job market. It is unlikely (although not unheard of), that you would be able to get an IR before an Instructor Rating; most people do it the other way round.
If you want a CPL(H)/FI(H)(R)/IR(H), then you will be looking at paying the thick end of £110,00 to £120,000 - that's pounds Sterling by the way in UK prices!
Cheers
Whirls