The price you have calculated for going Modular is quite excessive in my opinion! Im in the middle of modular training and have estimated that i will have spent ~€55,000 by the end of it.
PPL (Irish FTO) - €10,000
DL ATPL (Bristol) - €2,500
Hour Building, 100 hours (IRE, Spain, Florida) - €9,000
CPL/IR/MEP (FTE Jerez) - €27,500
Accomodation/Living Expences and air fares in Spain and Florida - €5,000
I'll worry about the MCC and TR when it comes to it
My advice is shop around, but don't just take the cheapest option! Best of luck