I maybe chipping in a bit late in this discussion but my view is stay with the desk job.
Your story is the same as mine basically. Came to Canada quite a few years back with ATPL, Full QFI, IR, DCA authorised examiner and all that. Got my Canadian licences but no job.. Took an 'office' job in a financial company as a temp solution and kept looking for a flying job.
To cut a long story short.. No flying jobs available so stuck with office job. Today working for same company as senior manager. Making more money now than I would have if I kept trying to fly and not mention I would have been laid off numerous times.
Don't get me wrong, I would still love to be flying but with a family to look after it is not always easy and one needs to do teh best with what ever situation one is in.
In any case good luck in whatever you decide !