That is not all that is involved in the equation. Even if the I went to a local FBO here in Chicago, then I would have to deal with weather (i.e. tons of snow and freezing rain) which would extend my "fast track". Not to mention, aircraft available and maintenance of that aircraft. With ATP I at least know the exact cost, know that they have the aircraft available, and have multiple locations across the country that I can choose from so weather isnt that much of a factor. I understand that I am going to have to learn to fly in different types of weather, but I dont want the unpredictable Chicago weather to cause a delay in my training and goals. Right now my ultimate goal is to fly for a legacy airline, however, in the future that goal might change. I wouldnt mind staying at a regional for my career (having seniority, making 80-100k, and having a good QOL). If I have the opportunity to be offered a position at a major, then at that moment I will decide if it is worth it. My first career goal as a pilot is to get on board with a quality regional carrier (i.e. XJT, SkyWest, or Republic), and then I will go from there. Thanks for your insight and feedback. I appreciate and listen to everyone's opinion.