I don't quite follow your logic, I personally think that there's a missing link in your reasoning triangle.
Why start all over again when all you need is to complete IR, CPL and ATPL theory?
You are "hedging" yourself against the bad economic climate.
That hedging is going to cost you an additional 7K + the timeframe you'll lose while having fun with your PPL... conclusion: you're a bad hedger.
If you have money, why don't you head to integrated straight away or wait until the sun shines again?
Decision-making skills, capacity of analysis and intuition... the most required skills in a cockpit... and in life in general!