I think KAG is basically saying that you have to make the decision and what is right for you. If youŽre idea of being a pilot is the top picture, you will be disappointed in the long run if you follow this path. If youŽre idea of being an aviator is the bottom picture, then full steam ahead.
Notice that I used aviator and pilot distinctly. You pick which one you want to be.
Also, I second hte recommendation of getting your PPL, going modular. Save the money by not going integrated, get your ratings without debt (youŽll thank yourself in the end), give your wife a big white wedding, and if you cant find that pilot job, you can keep working at that sales job if and when your find your break. Life is a journey, not a race, those integrated P2F schemes are the the racers, not for those looking for a journey.