Quo - your username block says "Scotland" - no idea where.
If you were me, which you aren't, I would finish at PPL then go home - certainly NOT do the hour building (for various reasons - none of which you will care much for).
Consider doing the ATPL in Glasgow. Why pay for travel and accommodation when you may be able to do it locally.
THEN, after passing them all, look at doing the "hour building" professionally and specifically for your future aims - which may well have changed by then anyway.
Yes, there is the time limit, but you have three years.
Unfortunately, my guess is that you will go with the much more fun option of drilling 100 hours of P1 holes into the Florida sky, picking up as many bad habits as you can, then grounding youself for six months of classroom work before trying to start a professional training course and complaining that you've gone over hours on the course.
=^..^=