If you can afford to spend the money on the course and lose it, then do it. It will increase your chances of gaining an instructing job when things pick up even if that's years away; I reckon it will be! To be honest, how many can afford to lose that kind of money right now?
I think if I was a wannabe right now I would probably spend a couple of grand on a good computer flight simulation setup and settle on a job outside of aviation (if you're lucky). At least that way when things do pick up your IFR skills will be fairly sharp. Not exactly living the dream, but a better way of keeping it alive I suggest.