For what it's worth, here are my thoughts on the subject...
I'm in pretty much the same situation as you, I've recently started studying with BGS, and am considering the best way to go about getting that first job when I finally get through the exams and get my CPL.
Considering the job market at the moment, I personally feel that it may well be a waste of my money to add an IR and an MCC course to my CPL when I eventually get that far. Yes, I would then be fully qualified and ready to take on that first job, if and when it became available, but with so many qualified pilots out there, all with many more hours than me, I'll still be at the bottom of the list.
My plan, is to carry on working in the relatively well paid job I have at the moment, get my CPL and a FI(R) rating, and then instruct part time. I'll be building hours and keeping current, and I'll be keeping myself out of debt (hopefully!). Then if the job market seems to be opening up, I'll be in prime position (ie, not in debt) to splash out on that all important IR and/or MCC course. I could possibly get the IR while instructing part time - I'll just play that one by ear.
For me, this seems to be the most logical course of action, with the job market how it stands. It obviously depends on being able to get part time flying instruction work. The club I'm flying with at the moment has suggested that their part time instructors all get a reasonable amount of work, and the feeling is that if I do my FI(R) rating with them, they'd be willing to push a bit of work my way.
In your case, with money to spare, it may be an idea to do the IR followed by a FI(R) rating, then you've got a way to keep your general flying skills current without breaking the bank, and any spare money, as you say, could be used for simulator time to keep your IR current.
Remembering all along of course, that you have to get the CPL and IR within 36 months of passing your final exam.
Having said all that, I better get back to the studying or I'll never get to find out if my plan would have worked....!