IFR - thanks very much for the tips. You raised a really good point lurking in my mind about IMC time going towards IR, so I guess I need to start the research.
I don't mind about the exams, and I mind a heck of a lot about the cost, but you're quite right about the medical (which I had conveniently forgotten) and that should be my next step.
Really appreciate the pointers, particularly the pplir.org website which is fantastically useful.
Cheers!
SkyW