I still don't get your hours. But I've given up on that.
A quick breakdown:
ATPL: 2K
CPL/ME: £6K
IR: £11k
MCC: £2K
Test Fees come to around £2.5K
Total: £23.5K.
The above is a tad prudent too. You could easily shop around and get it below £20K. You have enough. You'd have even more if you didn't do the IMC rating. And you can earn about £4K doing part time work during the ATPLs.
But, your last post is probably the most sense you have written yet. You are obvoiusly not bothered.
Good luck in the RAF.
EK