You read with mindnumbing regularity "Ryan bashing" on Reporting Points about how people are, as you say, "Buying" jobs and undermining the whole fabric of the professional pilots world in terms of working conditions etc.
On the whole, morally, I agree, however the vast majority of these people who are saying this already sit in the right hand seat (with exceptions of course) and therefore can afford to take the moral high ground. I'm not entirely sure what I would do if and when I'm in the position to "buy" my first job.
I would like to think that any airline upon meeting me would think I had the "right stuff" for them and take me on at their cost, but you have to be realistic.
I dont know enough about the internal workings of airlines, how one airline percieves another, how pilots from one interact with pilots from the competition etc... so in essence I dont have an answer for you, but I shall read this thread with interest because more of us than we may think could find ourselves in exactly your position.
One last thought, and I stress this is a generic observation. I have worked in a variety of industries in my chequered career, if the management is poor then when push comes to shove you tend to get no back up, support or guidance because "management" is usually to busy looking after themselves. I read about how management treat pilots on Reporting Points and while there are always three sides to a story I can say to myself "Hmmmm, seen that before".
So at the end of the day I guess you have to go with what YOU think is right, it may or may not be the right thing to do, but at least you will be type rated, getting lots of hours and the bank manager will be a happier person.
Good luck
TBL