Hi, I did the same as you but was tempted away by the pleasure of doing the night Ibiza. If you are pretty sure you don't want to drive a bus, I would not bother with multiple or IR or ATPL. You can always do these later if you change your mind.
There is probably limited work for a CRI so I would do the full FI so you can earn some money. As you fly a JP, you could work probably afford to wok part time which is less tiring. Most flying clubs would readily employ someone more mature who is doing it for pleasure rather than as a step to a 737/320
Best wishes