Have you asked about to see if there are any instructing opportunities at your local airfields?
If there is a chance, even if it starts off as "occasional" then in my opinion the FI course would be the logical choice.
For many of the online applications for the big boys you need to have completed the MCC and the system will filter you out if you don't meet the minimum requirements.
I guess you have to weigh up whether you honestly believe you have more chance of getting some instructing work or a multi crew job within the next year or two.
My opinion is that instructing is "more likely" but either way there is an element of "dice rolling".