GASH! said
If you wanted a CPL now, then you would have to do the ATPL theory exams
Not true. You need only do the CPL theory. However, not many organisations offer it. If there is the slightest chance that you may wish to add an IR within 3 years, do the ATPL theory 'cos it'll save you hassle later on. If you are certain you will never want to do the IR, you might as well just do the CPL theory,
TB