I understand your position, I am in the the exact same position and have been for coming up on 2 and a half years now. I havnt been able to do any flying inbetween with paying off debt and saving for IR renewals etc.
I have been thinking of doing a TR myself, not least for the experience but if it even gives me the smallest chance of a job, I would risk it. Any time I bring it up in conversation I get slated for 'ruining aviation' but these comments are coming from people flying on a daily basis were as I am packing shelves for the foreseeable future. So for those who say dont p2f, what would you do in my position?