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You've done the research, so don't have much to add on the ££ numbers.
My only comment would be <<
For BA I used command at year 11 for short haul>> I would say that is VERY optimistic. You could easily join BA now at age 40, and never get a SH command
At 40 you will be older than most of your fellow DEP/SSP entrants, and there are a lot of BA pilots well <40 now.
If you asked me for a "best guess" I would work your figures again for a SH command at year 15, but be prepared for year 20.
NoD