Look,
Kerosine, I was in a somewhat similar position many years ago. It took me ages after uni to do my ticket
I say - if you want to fly, go for it !! In fact, if you think you might not be flying for a while, I'd go the FAA route, as an FAA ticket is valid for life - you need to do your BFR (Flight Review) and of course hold a valid medical to exercise your privileges, but you don't have the JAA requirements hanging over your head.