What about (while you have the SECIR) getting a private IFR rating. I THINK this is largely a paper exercise. It leaves you with an instrument rating that is less arduous to maintain.
CIR is largely a merit based endorsement. So, I THINK, that the fact that it has expired won't matter - just how good you are.
I THINK the main game will be IREX. If you let the SECIR lapse, when you come to get an initial issue MECIR, will your old IREX credits still be valid? It would be worth asking if the upgrade path from PIFR is easier than a lapsed SECIR.