Your 3rd option SunnySahota..
...and you may not like this.. is to look after your precious woman.... get yourself on the property ladder.. and try to excel in your IT job for the next 3-5 years. IMHO... as a recruiter... anyone throwing a fortune at professional flight-training before 2014 will find themselves in a very bad place. Have you any idea how many folks with an fATPL are chasing those few jobs which arise? (Clue: Several thousand!)
Also consider the political landscape and the likely effect on oil-prices if the Strait of Hormuz is closed..our precious profession could be hit by severe cutbacks and sweeping layoffs... including many pilots.
Imagine how you'll feel in 2014/15..having spent tens of thousands of pounds.. and find yourself in a queue (even longer than today's) with zero job prospects.
Finally, please don't take for granted that you'll secure an offer from FR..have you any idea how many candidates screw the interview and/or sim-ride?
Just trying to help you smell the coffee....good luck all the same.