Just to join the choir...do the CB-IR!
This is the one rating that will improve your flying skills dramatically.
CPL is a waste of time and money if you have no intention of going pro.
I did an IR with just a PPL and flew with that for 4 years. Then did FI/ME/CPL/FI-IR later (in that rather weird order)
No question about it, the IR part was the one that gave me most as a pilot. After that CPL was a walk in the park.
But it is another way of flying. Some hate it and others (like me) just love it. So get an IR lesson before you start using time and money.
Also note you don't need a night rating to get a CBIR. but you will be limited to ifr day only.