I realise there are very few jobs around at the moment for instructors and commercial pilots, especially for people without the correct type rating and very little hours.
BUT
I would want to be in a postion of having a cpl/ir in my hands so I am at least qualified to apply for any commercial job. Without the IR you are not.
If you are just interested in jobs instructing then spend the cash on a FI course.
Luckily you have over two years on your side before the exams expire, I cannot see the job market taking off much before then.