Just my opinion... but that money could buy you a nice share in an aircraft. But the key thing is to make sure it's a friendly group.
Like a lot of hobbies, flying is most fun when it's done with other people. The main advantage of buying into a friendly group would be that you'd have friends to share a common interest with.... which would encourage you to stick in GA for longer.
From what you've said, I feel that this would be more successful than spending the money on training/ratings/experience.... because once you've completed the training, got the ratings, and experienced whatever you want to experience, you'll be left in exactly the same situation all over again, but £10k down.
FFF
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