Today I was talking to a low hour new cpl who was thinking on paying for his IR(H), yet had talked to the offshore companies who were not prepared to take him on or give an interview, yet he was still thinking to pay the money for the IR. I reminded him of my situation a few years ago, which I did the same thing, paid for my IR and still did not get accepted for the offshore.
He has now decided to spend some of his 30 grand on an FI course, and in three years time have money in the bank to get a tasty twin rating or two.
Better logic ?
If you had to decide on financial aspect, it would be fixed wing all the way.