If you decide to do a TR you must be able to afford not to get a job. Possibly ever. At 27 with no experience is probably no big deal but 30+ might be and that could be how long you have to wait for a job.
My advice is to save your money for now. Wait for better times unless you do a TR with a guaranteed job (i.e Ryanair). A TR with no hours is not worth a great deal and the lack of hours will make each renewal an expensive experience. Plenty of very current pilots mess the annual revalidation up.....and they're not paying for it!
However, think carefully and good luck.