But what I was trying to put out is, before I actually start a job with a charter to build up hours, why not obtain a Type-Rating right after my ATPL and get it out of the way ? Rather then stress about it later.
If you can afford to keep your TR current, which means completing a check ride every year, then there's no reason not to really. You'll probably find that the experience you gain flying will make your TR easier and therefore less stressful in a few years time anyway, and you don't need it now so there's little point in having it.
I'd personally take the money and get a sports car, get the mid life crisis out of the way instead.