G'day Sean,
This question has been posed before and there's no real answer.
The real question you are asking is "Can I get a good well paying flying job earning enough money to retire on in comfort?"
The real answer is "it depends".
Are you in a relationship? If so, what does your partner think about you potentially spending upwards of £50,000 on a "maybe"? If you haven't spoken about it, do it ASAP as it will severely impact on their life too.
If not, then that's one issue out of the way.
The next question is "what sort of job?". Can you afford to live on less than £20K for a couple of years post training? Or can you afford another £20K on top of the CPL/IR?
If the answer is no to the above, get a PPL and enjoy life. (Or get the CPL and instruct on the weekends)
Good luck.