Regarding the modular/integrated bit, I suspect the "are you mad?" question might arise because at the moment, funding is the big problem here. If you've got the dosh, then go for it, but if you're planning on raising the dosh via a bank loan, or remortgaging a house, then you might want to check whether those options are still open to you, right here, right now. If not, then integrated is a lot cheaper, therefore a lot easier to fund, and you can hold down a job between modules which can help.