Also worth considering the time of year. With winter fast approching you need to think about how much flying you'll get done over the next 6 months or so once you have an FI ticket. Winter is always a better time to think about doing an IR. If you have the money to burn then it might just be worth getting the IR done and get it out of the way. At least then you'll be 'ready to go', should a job offer come up. Its always reassuring to know you've got all the tickets done.