Fair enough; build your hours, get your CPL and have fun doing it. But how long does it take to get an MEIR? A few weeks if, like you, one has the dosh ready.
If I were in your boots, I'd put the MEIR money somewhere safe where I can't spend it, wait till the market has seriously picked up and then go for it. Hey, you might even find that your money has grown, by a few Euros, by then and you'll have enough extra for some Ray Bans.
Diving in all the way today is not a wise idea in my opinion (and that's all it is).
I have friends with fATPLs who have submitted their CVs to every airline imaginable with nothing but rejections or 'don't call us, we'll call you' responses. Their once newly acquired IR skills have waned, and it's going to by quite costly renewing them. All the time, their passion for aviation is waning too - and I wouldn't be surprised if it's this that kills their aviation career.
Tread wisely and timely my friend and you'll be OK.
Oh, and your English is better than my French..........and English!
BI