I think it is good that you have come on here to post your experiences. Usually the modular guys say go modular and the integrated guys all say integrated is the way to go. Alot of people cannot admit they have made a mistake or blew a load more cash than they needed to so good on you for posting.
I for one don't think integrated is a good idea right now but when the airlines are recruiting and as long as your not borrowing the full amount then it can be a good way in. In your case you had the cash and things were not the way they are now so i can understand why the integrated route looked like a good choice. Its you guys who are coming out of training into this mess that i really feel for. Anyone who starts integrated now has themselves to blame.
I think someone like yourself can save alot of wannabes alot of cash and balance out the crap the glossy marketing material puts out.
Hope it works out for you in the end.