It also depends on what kind of a deal you can get with the instructing. There are some instructor jobs out there now paying salaries/ decent daily retainers.
Early this year I had contemplated doing a type rating with either PARC or SKyblue. A week before the tr assessment I was offered a full time instructors job paying a respectable retainer. I opted for the full time instructors job.
At the end of nine months of full time instructing I was invited to four different airline interviews/assesments.
Received two offers as a result and consequently in the next few months I will be starting a turboprop type rating.
All four of these interviews/assesments were offering training bonds.
All I can say is I am glad I opted for the instructors route I am certainly £20,000 better off for it. As an instructor I was certainly earning more than a second officer at Ryanair.