Okay I think I have made up my mind.
1) Orlando Flight Training to do the CPL in 3 weeks - not Tyler which is 5 weeks (rip off), and I get it done before xmas in sunnier Florida.
2) Straight onto JAA multi on a Seminole also at OFT - I heed your advice on Seneca/Seminole conversion.
3) Over to Britannia at Lakeland (have used these guys before and trust them, and they are 45min from Kissimmee) for the FAA multi rating, and type rating on the Seneca (ready for IR on Senecas at Oxford in New Year).
Looks like I was never going to get rid of the safety pilot, so I might as well use any co-pilot to do training/type rating. Doing the FAA multi rating will also mean I dont have to worry about all this licence/rating conversion crap, I hope......
I am sticking to the Florida option since "initial savings" are about £2800 based on 15-20 hours. Less accomodation, transfers, flights means I am still about £2000 in pocket even ignoring the cost to travel from home in SW London to Fairoaks/wherever.
Thankyou all for your advice.
ps OFT actually picked up the phone and were helpful (ie had the right guy to talk to there and then).
Meanwhile Britannia actually called me back and emailed me.
Two very big ticks in boxes.....