Thanks all for the replys, as for the RAAF option, I have considered it and would rather go alternate routes and use it more as a last resort, it's just not quite the lifestyle for me.
I know I need to plan ahead more, and probably should have done more of it a while ago, but right now I'm about to start the nav portion of the conversion which is (for me) a huge investment, so that's where my mind is at the moment. But my instructor has advised I ask around and see what's what so I know what to pay for, and what can be put aside and have just as many odds of getting a job as I would doing it the alternative ways.