That's why my motto is like theirs, look out for number one first!
And if you ever make it onto the line, your colleagues will just love you. Aviation is a very small world, people remember names, and words in the right ears can make all the difference between success and failure. Reputations follow people around, and a reputation for selfishness is not a good one to have.
And as for:
After I do complete my IR, I can still afford to keep it, renew it for 10 years if I want, without it would effect my finances to keeping it current.
But if you sit "Waiting to start" - when there finally will be good times, you will again be outside the loop!
Your logic is flawed, and fundamentally misunderstands the way airline recruitment works. However, as you have everything planned out, and are 'looking out for number one', there doesn't seem much point in debating with you.
Best of luck.