737wanttobe,
Firstly you are not too old, far from it. Secondly you have the cash which puts you well ahead of many other 30 year olds. If you really want to do it, go for it. Or you might regret not trying. And be prepared to go overseas, initally anyway.
If you can afford it, go integrated at Oxford. Yes, modular gets you the same licence and yes many, many have been successful that way. But if I was in your position, that is what I would do.
As SR says, yes there is competition out there. I started flying 15 years ago just as the old 'self improver' route was coming to an end. Most (not all) I came across going CPL got into some sort of paid flying. Not all have achieved what the wanted and many had to make big sacrifices on the way. Whatever decision you make, enjoy it.