I suppose the best way to look at your situation is: "How much of my investment in an IR am I likely to get back, in the time I have left in my flying career, over and above what I can already earn without".
You already know the answer to the latter part of that question.
Are you qualified to do something else and if so, are you able to earn money by different means as a supplement to your "VFR only" earnings?
One thing I would bear in mind is that modern aircraft are leaving the factory better equipped, which means IFR equipped; this seems the modern way forward. There's little point to anyone hiring a non IR pilot to fly their very expensive IFR machine.