I can't make the decision for you, but as ha sbeen previously said, the industry has perhaps over-reacted to the events of Sep 11.
I have heard many 'insiders' telling of the crew shortages their respective companies will face unless they act now.
If it is the money / commitment question that i shanging over your head, then why not sit it out for another 6 months and make a decision then as to proceed or postpone.
Meanwhile, you DO have a PPL - happy flying!