Training costs
I can't support what Purple Pitot recommends, strongly enough!
After all the years I've been flying and the hundreds of cadets I've had the pleasure of working with, I do still occasionally hear of people failing Class One medicals. It's rare, but soul-destroying to those who have already started down the long road to gaining that coveted Frozen ATPL. And expensive too! I am increasingly hearing of existing Class One holders as well as initial applicants, failing with Type II Diabetes and at relatively young ages. This condition is not necessarily a permanent barrier, but having it would put you back several months and nothing is guaranteed.
Oh and from my own experience and that of thousands of others, whatever ATO's quote you - for Modular or Integrated - add 30% contingency for overrun etc. If you definitely cannot afford that +30%, be very cautious. Everything is quoted on mimimums, relatively few attain that. Not saying you will overrun - if you do it could be 1% or 50% - but 30% seems prudent. If you don't need it, that's a bonus, maybe a type rating paid for?