Whatever you do holds a question mark! What would I do? Probably hot shoe it to the USA for a couple of weeks, use the money to get an FAA IR Then fly your hour building in the USA as IFR flight so you get the hours towards a conversion to a full EASA IR.
Flying is a much cheaper thing to do in the USA compared to europe!
But that is my opinion !
But hey we are all gambling on this one
Pace
Meanwhile, back in the real world of people who can't just up sticks and go to the States for two weeks and then build up IFR hours.....