I'm hoping to do a multi CPL first. Then do the multi IR after.
My theory is to get the multi part under my belt first - the lesser workload of the CPL over the IR should make this easier to take on board. Then when I come to do the IR, I will already be able to fly a multi engine aircraft so will free to concentrate on the IR.
It means the CPL will cost perhaps £1k more, but should at least pay itself back, if not save more money with the IR.
Like foghorn said, very few people pass on minimums.
I'll try it and let you know!
Bodie