Not really that hard a decision you can fly or not fly.
Personally think you should quit and leave aviation and go and do something a little less risky.
DON'T BE SO SOFT. If they are asking for money but guarantee you a job then take the offer. That's a good offer, there are many firms out there who will take the money and not guarantee you a job! I.e. every FTO and TRTO you have been to so far. This is just another step in the job chain the difference is you are not having to guess which type rating may or may not be attractive.
So 2 scenarios remain.
1) You do not want it enough. In which case leave it to someone who does.
2) You want it but are not sure if it's worth the financial risk. Which seeing as you have probably paid upwards of £60k to get to where you are now is a little nonsensical. See 1 above!
So in essence the choice is whether or not you want to fly something for a living OR earn a living and fly when it suits you. If you want to fly for a living and someone offers you a job in something that flies take the job, you are unlikely to starve and it can only get better. If on the other hand the money is more useful than advancing your career then I hate to tell you that you will never be happy in aviation because statistically you are likely to be very much worse off for many years before it gets better.
Don't want to rain on your parade but the scenario you describe is not a decision about this role it is a decision about whether you really want this career. There is nothing more important than the job! There is little that you cannot buy later in life that is important as you state you have no family to support.
Good luck.
VT