This is going to come across as harsh, but ...
Please consider the welfare of your future students. With your past instructing experience in other fields, I hope you can understand the value of a good instructor. Not saying that you won't be able to become one by going through the cheap route but I think the cards are stacked against you. If cold water isn't your thing then I can appreciate wanting to do your courses in warm water but IMHO your next item on your list should be the quality of instruction you are going to get instead of price. I tell my students that scuba isn't cheap and if they are looking for the cheap route then I strongly advise that scuba might not be for them ... the thought of an instructor wanting to do things on the cheap just baffles me. You have said that you are going through a mid-life crisis ... if you get less then quality instruction (due to cost cutting), how is your mental state going to hold up if you are responsible for the injury or death of future student?
Please consider the welfare of your future students. With your past instructing experience in other fields, I hope you can understand the value of a good instructor. Not saying that you won't be able to become one by going through the cheap route but I think the cards are stacked against you. If cold water isn't your thing then I can appreciate wanting to do your courses in warm water but IMHO your next item on your list should be the quality of instruction you are going to get instead of price. I tell my students that scuba isn't cheap and if they are looking for the cheap route then I strongly advise that scuba might not be for them ... the thought of an instructor wanting to do things on the cheap just baffles me. You have said that you are going through a mid-life crisis ... if you get less then quality instruction (due to cost cutting), how is your mental state going to hold up if you are responsible for the injury or death of future student?