Either rating is not much use with <150 hours total time
I would question the sense of even getting an IR given the climate at the moment
My advice: get an instructor rating, get a mon-fri 9-5 job, and instruct at weekends to build hours.
But if you insist on dropping £50,000... I would go for Bond as Bristow ain't hiring at the moment, and are not going to be for a while.
Just don't get yourself in too much debt as I know LOADS of people with IRs either still instructing, or working in an office, paying massive debts off wondering what went wrong.