Without being brutal, it's not for you mate. When I converted, I was with a bunch of guys paying 20k for a TR and another 10k for 100 hours (which still doesn't get you there!). You've got a great job, well paid, and a family who shouldn't have to sacrifice their lives on the altar of your ambition, as you can see. It's not just a financial transaction- it can be as much of a calling as for the people who go into religion in a big way. Your aviation 'bite' is not severe.