I'd save money to help keep your IR current whilst job hunting for the next 4 years. Any additional funds would go towards the self sponsored type rating fund for the future.
You *can* keep your instrument flying skills somewhere near very cheaply on a home Flightsim and then hire a few hours in a basic instrument trainer which shouldn't cost more than £50 an hour.
The job market you can do nothing about. Making sure you pass the Sim Ride assessment you can.
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