In addition to PilotJimbo,
Do your IMC (or IR(r)) as soon as you can do it - make sure that the instructor knows that you are looking at commercial standards (maybe get an instructor who is also an IR holder, or an FE that has done it for a while and knows his stuff).
This really improved my accuracy of flight, it really improved my confidence, and made the go / no go decision somewhat easier.
This way, you'll be able to fly through the crappy layers, get your skills up, and then after further training get your CB-IR which *may* save you a few quid. In addition of course of understanding what OCAS IFR is and really appreciate the airways / CAS IFR services offered later on in your flying career.