I had the same dilemma Newfound, but recently decided to do the full fat milk one in the end. As already pointed out, you would be lucky to get NPPL in 32 hours anyway so it's not going to be a great money saver in that respect, plus you can add night and IMC to a JAR PPL which I want to do purely from a safety/preserving own and passengers skin aspect should the need arise. I fancy the idea of LAA flying but I want all the bells and whistles on my license as well. Some may say it's a waste of money to which I would reply it's my money.
The medical is nothing to worry about, I'm ancient, wear specs, have enough cholesterol to turn my body into cheese and have an 'I've drunk lots of beer' figure and I got through it. The blood test is just a thumb prick. The worst part was when he weighed me and gave me a book on weight reduction straight after...........a subtle hint methinks.........