Gaz45, with even a 5 minute cursory glance, it is easy to see some fairly biased figures coming out in your calculations. For example, why have you added the "Regulatory Exam Fees" package (£5,5K) to the integrated course price but not added the same associated costs to your modular calculations? Why have you factored in the accomodation in Oxford only for the integrated course? Why have you rounded £82k up to £85K? Where's the flight over to the US in the modular calculation? US medical insurance? Rent in US during hour building? Visa fees? Landing fees in UK? I'm sure there's more...
Try and look at it impartially and dispassionately and you find the integrated premium (whilst still significant) to be far smaller than you have calculated. As to what value that premium brings is moot, but I personally agree with Bealzebub.