FI hours are very worth while. If you want to be a TRI in the future, it will show that you have the experience. It will also teach you to relax and think much clearer under pressure compared to banging out hours at your own cost - speaking from experience.
And you will soon cover your investment and get paid to fly 50k worth of hours in a year.
As was mentioned, don't do anymore that 1000hrs as you will get stuck there.