Don't delay, take the exams. You were ready to press the button, right? So presumably you have the money for training. Take the exams, get the CBIR, get the CPL. All single engine. Now the exams are safe, you've spent a lot less than you planned and you've got options.
You can 'finish off' with MEP/MEIR/MCC when the market recovers, which means you're a finished pilot with a lead time of a month instead of 18 months. In the meantime, become an FI or an Uber driver...