Would it be worth my time going overseas for a year or so, come back and get hard into it?
The answer is of course!
An experience abroad, is
allways a valuable experience.
But I would add, why hold on and spend the big bunch of money all at once, while you could do it all at the same time, and spread the money wisely and slowly...
Now that you have a degree, find a job in an other country, start you ppl then your ATPL by distance learning, you'll end up, with a job experience, an experience abroad, your ppl and ATPL in your pocket and if you do it right, a few £/$/€ to pay your CPL/IR.