Also, I will be going the 141 route for my IR rating as it cuts down on costs incurred.
Do not be too sure about that.
Part 141 removes the need for the pre-req number of PIC hours but the course will be increased to cater for that. Only you know how many hours you have but you should do comparisons.
The advantage of Part 141 is that you can commence an IR the next day you complete your Private. That advantage diminishes as you gain hours.