Freak,
Exactly the same situation as you. A few years older, but decided, with about 60 hours, to take the leap and go for a commercial license. The big difference was I was fortunate enough to be offered voluntary redundancy at exactly the right time, and used my money to fund my hour-building. Now up to 230 hours, passed all the ATPL exams, and looking into doing the CPL later this year, with the IR next year. Feel free to e-mail me for advice/info if you want - or I might post more details on this thread when I've got a bit more time to spare.
Good luck!
FFF
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