Its been a long time since I did the civilian training, but Im in a similar boat.. just repunching my currencies and building time, but am looking specifically at going through a flying club to save some money on the flight time requirements. You also have the ability to take some control of your scheduling and pace of flying with an independent CFI.
You can compare those prices around and see if one is the right fit.
letsflysandiego.com has information on both local schools and local flying clubs, so you can start your research there.