What I can tell you is that you don't especially need to pay for your own type rating these days. Most reliable charter company will pay and bond you for it, giving you not only a SIC rating but as we call in Europe a first officer (right seat) type rating, meaning you fly charter or private in a kind of part 135 operation compared to what they have in the US. The benefit of this is your ability to be treated like a part of the crew and fly the aeroplane not only changing frequencies
.
Anyway, I wouldn't pay right now a rating myself...
Cheers