Just bide your time. When the upturn comes (or if it does not) just make sure that your finances are not screwed. By doing a TR you are going to put yourself under financial pressure. Big trouble if you can't (and you won't) get a well paid job. If you remain debt free and concentrate on your current career your options will be wide open in an upturn. If you HAVE to be on a big jet salary because of your finances, then your options are likely to be limited.
The float rating sounds like a good idea, though I doubt you'll get a job with it any time soon. But, as you are debt free, it is not that expensive and any flying and additional training will keep you sharp. I fly for an airline and am going to Jack Brown's Seaplane Base, in Florida to do my Single Engine Sea rating this year; just for the fun of it.