VORTIME,
There is another option. It's called keeping both options open.
Carry on training, do the ATPL ground exams, IR, etc. Do it in your spare time and holiday time and time off if you can take any, but carry on with the day job. It's tough, but many people do it that way. Once you have your frozen ATPL, you'll need to get some hours anyway, so get an instructing job, still part time if you're still not sure what you want to do.
You'll then have various options open: carry on with IT and start saving again for that nice aircraft you always wanted, try and get an airline job now, or possibly work part time in IT and do some part time instructing or other flying related work.
Yes, you could have ended up wasting 30 grand or so, but nothing's ever wasted; you'll have a lot of useful experience you might not have got otherwise. You could end up looking for an airline job a few years later and older than you otherwise would. But hey, nothing in life is ever perfect! And this way, you have time, and no pressure, to decide what you really want.