IR before CPL is not that important 15 hrs is a MINIMUM it doesnt necessarily mean you will be ready at 15 hrs , you have to plan a contingency in here . The other thing to consider and I think im right , the IR is 50 hrs with a cpl 55 without and the ir must be done on a twin , so if you do secpl in fifteen hours you will then have an extra 5hrs to do in a twin for the ir and the twin is significantly more expensive . You also have to factor in the MEP at some stage , this does not form part of the 55 hour IR .
In short whatever you think hours or price wise this is gonna take ya add at least 10% minimum I would say , if you come out better off all the better , but do not budget to do everything in minimum time because on all likelihood you wont