The "where you can work" issue's been covered.
You don't need to spend £100k - there are plenty of threads here about the modular route. £40k-£50k will cover it with care.
Plenty of people have got their first flying job in their late 30s.
And do a PPL before you do anything else, otherwise you just don't know if you have the aptitude and enthusiasm to carry you through. An FAA PPL will however do fine, even if you go on to do an EASA professional licence.